Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already provide readOnlyHint=true and destructiveHint=false, so the description is not required to restate those. It adds useful behavioral context: the analysis is specific to wire and international bills, returns estimated savings, and requires prior connection. No contradictions with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.