Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries full responsibility for behavioral disclosure. It adds only that the operation is scoped to the authenticated user, but does not mention read-only behavior, potential side effects such as caching or computation, or what data the summary covers (e.g., time period, budget categories).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.