Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full behavioral burden and does so well: it discloses irreversibility ('cannot be undone'), the exact scope of destruction (group only, not transactions), and the required permission scope (finance:delete). This is exactly the context an agent needs before invoking a destructive mutation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.