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 core behavior (summarizing expenses by category for a month) but does not disclose details like whether the summary includes totals, counts, or only categories with expenses, nor does it mention what happens if no expenses exist.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.