Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden of behavioral disclosure. It clearly indicates the tool returns grant obligations and specifies the types of expenses covered (debris removal, emergency measures, restoration). It also mentions filtering capabilities and default/maximum limits. It does not explicitly state read-only or lack of side effects, but the 'Get' verb implies a safe read operation, and the extra context about grant categories adds value beyond a bare description.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.