Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The annotations already declare destructiveHint=true and readOnlyHint=false, indicating mutation. The description adds that icon and color can be cleared with null, which is a behavioral nuance not obvious from the schema alone. It also mentions built-in categories are immutable. However, it does not disclose the exact effects of changing a category (e.g., whether it cascades to existing transactions), which would be valuable. Since annotations already cover the destructive nature, the description adds useful but not exhaustive context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.