Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, so the safety profile is covered; the description adds nothing further. It does not mention pagination behavior, ordering of the returned payments, or whether an empty list vs. an error results from an invoice with no payments. For a list tool this is thin, but not contradictory.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.