Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral disclosure burden. It does add one meaningful behavioral fact—only active recurring expenses are returned—but it does not state whether the operation is read-only, how results are ordered, or whether pagination applies. This is adequate for a simple list tool but 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.