Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true, so the safety profile is covered. The description adds that amounts include cents and decimal forms and that categorization is returned, which is useful return-shape context, but with an output schema present the burden is lower. Adequate, not rich.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.