Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false. The description adds valuable domain context beyond annotations by stating that budgets are in cents and that campaign_id scopes the listing to a campaign. It does not cover return format or pagination, but with annotations handling the safety profile, this is a meaningful addition.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.