Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, closed-world behavior, so the safety profile is covered. The description adds scope context (it covers both plans and per-tool credit costs, plus billing policies), but says nothing about freshness, whether prices are account-specific, or how the payload is organized.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.