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 implies a read-only operation via the verb 'List,' but does not disclose response format, pagination behavior, error conditions, authentication requirements, or how the required id relates to the budget. This is minimal behavioral transparency.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.