Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so the description is not burdened with safety disclosure. It adds value by specifying the fields returned (names, IDs, statuses, budgets, types). No contradictions with annotations. However, it could mention pagination or performance implications for large accounts.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.