Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden; it does disclose the response composition and a useful reconciliation invariant ('the items add up to the payout amount'), which lets an agent verify totals. It says nothing about permissions, behavior for an unknown payout_id, or whether fees can be zero/negative — meaningful gaps for an unannotated tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.