Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already disclose that the tool is read-only, idempotent, and non-destructive, so the bar for additional behavioral disclosure is lower. The description adds meaningful behavior by stating that it sums corrected discount installments and applies the administrative STF framework, but it does not describe return values, error conditions, or edge cases.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.