Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare readOnlyHint=false, idempotentHint=false, destructiveHint=false, openWorldHint=false, so the safety profile is already covered. The description adds a useful constraint (target_amount must be > 0 and <= parent goal's target), which is behavioral context beyond annotations. However, it doesn't say whether partial updates replace or merge values, or whether missing fields are left unchanged.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.