Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, and the description goes well beyond them: it enumerates the status values and clarifies that 'retrying' still means running, discloses refund behavior (credit_status, credits_refunded) on failure, and notes the call is free. This is rich behavioral context not present in structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.