Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so the safety profile is covered. The description adds genuinely non-obvious domain semantics: amounts are integers in minor units (45000 = 450.00) and dates/months use family-time-zone conventions, which an agent needs to interpret what comes back. It does not cover behavior for a missing or 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.