Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true, idempotentHint=true, and openWorldHint=true, so the safety profile is covered. The description adds genuinely useful behavior beyond that: the change has account-wide consequences for totals and streaks, and invalid input is rejected with concrete examples, which tells an agent how to recover from a failed call.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.