Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true. The description adds meaningful behavioral context beyond that: the operation is reversible via smartbill_restore_estimate, and it specifies the PUT endpoint. It still omits auth requirements or exactly what state is invalidated, so 4 is appropriate.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.