Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of behavioral disclosure. It states the tool creates an expense and returns a confirmation with an ID, which implies a write operation. However, it lacks critical behavioral details: it doesn't mention permissions required, whether the expense is automatically submitted or saved as draft, potential side effects (e.g., notifications), or error conditions (e.g., invalid product_id).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.