Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, covering the safety profile. The description adds a useful behavioral detail – that the data is aggregated by day and includes the next receipt date – which goes beyond annotations, but it does not disclose pagination, response structure, or ordering. With annotations covering safety, this is adequate.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.