Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden of behavioral disclosure. It accurately states the core behavior (list with optional filter), but omits details such as whether recurring expenses are included, ordering or pagination behavior, and any read-only assurances.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.