Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnly, idempotent, and non-destructive behavior, so the bar is lower. The description does add real nuance — invoice contents are "immutable" while the payment balance is a "current reported" figure, warning that balance is live rather than part of the snapshot — but it says nothing about permission requirements for shared businesses or behavior on a missing/invalid ID.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.