Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does disclose two genuinely useful behaviors: grouping commas and currency symbols are handled, and non-numeric rows are excluded but counted. It is silent on permissions, error behavior for a fully non-numeric or unknown column, and the response shape, so the disclosure is real but incomplete.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.