Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and non-destructive behavior, so the description only needs to add value beyond that. It does so by disclosing what the output contains: national totals and averages, all years, and categorization by payment-nature type. This gives the agent a concrete expectation of the result.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.