Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It mentions that a receipt ID is returned, but does not explain what happens after submission, whether the report is reviewed, whether it creates a pending change, or any auth/rate-limit constraints.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.