Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the idempotent and non-destructive hints, the description reveals major behavioral effects: excluding voids the transaction's journal entry, stops the posting engine from re-deriving it, and removes the amount from every report. It also discloses the batch size limit of 500, giving the agent meaningful operational context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.