Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety with readOnlyHint, idempotentHint, and destructiveHint, so the bar is lower. The description adds useful context that the data is quarterly and identical to the paid page's cash detail. It does not disclose return format or pagination, but those are less critical given the strong annotation coverage.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.