Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish it is read-only, idempotent, non-destructive, and closed-world. The description adds valuable context about what it returns (donor cost, fees, charity shares, optional Gift Aid) and notes the assumptions around Gift Aid/tip. It does not discuss rate limits or authentication, but for a safe read operation that additional context is appropriate.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.