Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of behavioral disclosure. It enumerates a rich set of outputs (reports, rollups, dual reporting, factor lineage, notary payload, dry-run weave) and discloses pricing and payment requirements. This goes well beyond a simple 'calculate' statement and gives the agent a clear picture of what to expect.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.