Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses that non-numeric rows are excluded and counted, and that grouping commas and currency are handled, which are key behavioral traits. However, it does not explicitly state that the tool is read-only (obvious but not stated) or describe error behavior for missing columns, though these are minor for a stats tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.