Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses permanence, which is useful, but it does not mention whether deletion cascades to related data (e.g., transactions, budgets), requires confirmation, or is irreversible beyond the word 'permanently'. For a destructive operation, this is a significant gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.