Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish read-only, idempotent, non-destructive behavior, so the description does not need to re-state safety. It adds semantic context about grouping and ranking by payment amount, but it does not disclose additional behavioral traits such as ordering direction, time period covered, or response shape. No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.