Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, covering the safety profile. The description adds the 'defaults to the current month' behavior, but does not disclose ordering, pagination, or response details beyond what the output schema likely covers. This is consistent with the mid-level calibration example.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.