Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnly/idempotent/non-destructive behavior, so the bar is lower. The description adds valuable boundaries beyond those annotations: it explicitly excludes invoice, payment, customer, and identifier data, and states that it cannot execute or advise on a financial transaction.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.