Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and idempotentHint=true. The description goes further by explicitly stating it 'cannot charge, refund, retry, settle, transfer, or move funds' and lists what data it excludes. This adds meaningful behavioral context beyond the annotations, covering non-mutating constraints and scope boundaries. It does not mention rate limits or auth, but those are not critical for this type of tool. The description adds value without contradicting annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.