Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false, openWorldHint=false, so safety is covered. The description adds that it reads receipts, a non-obvious behavior beyond the name. It doesn't mention auth, rate limits, or what the receipt contains, and with an output schema present, return values are partially covered.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.