Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so the readonly nature is covered. The description adds that only COMPLETED payments with matching fields can support reconciliation, which is useful but beyond that it doesn't reveal return format or edge cases. It doesn't contradict annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.