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 goes further by disclosing the shape of the response (line items, payments applied, total, total_paid, due), which is genuinely useful given there is no output schema. It does not mention auth needs, rate limits, or error behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.