Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The annotations already declare destructiveHint=true, idempotentHint=true, readOnlyHint=false, and openWorldHint=false, so the safety profile is covered structurally. The description adds the auth requirement ('Requires cost_categories:write scope'), which is genuine value beyond annotations, but it omits patch semantics (does it replace or merge unspecified fields?) and any parent_id/cycle caveats.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.