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 reveals that the tool summarizes expense data by category, but it does not clarify whether the category parameter filters or groups results, what happens when category is null, whether the operation is read-only, or what the returned summary looks like.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.