Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden and does well: it discloses irreversibility ('cannot be undone'), a cascade side effect ('Linked transaction associations are also removed'), and the required auth scope ('finance:delete scope'). It stops short of clarifying whether linked transactions themselves are deleted or merely unlinked, so 'associations' remains ambiguous.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.