Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden and does disclose real behavior: the result set is scoped by permission (see_costs) and by role (a field worker sees only their own rate plus the shop default), and it includes upcoming rates, not just current ones. It omits anything about ordering or error behavior, but the key access-scoping trait is disclosed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.