Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the readOnly/destructive/openWorld annotations, it discloses meaningful behavioral traits: accountant-only access, that no client identities, amounts, or individual items are returned, that unavailable sources stay 'unknown', and two pagination caveats (page uses the current roster; pages must not be summed into a verified total). These are exactly the constraints an agent needs to avoid misreporting results.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.