Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false and openWorldHint=false, so the safety profile is covered. The description adds value by disclosing the return payload (settings, plan-allowed models, per-model credit cost), which matters since there is no output schema. It omits whether any auth/plan constraints affect what is returned.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.