Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true, covering the tool's safety and nature. The description adds that it returns amounts, dates, and agencies, which is useful but does not go into depth about data freshness, pagination, or limitations. This is modest value beyond annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.