Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so the safety profile is covered; the description adds a genuinely non-obvious trait: 'Free: does not use a request,' which tells the agent this call is quota-neutral and safe to repeat. It also points to an upgrade URL for the 'need more' case. It stops short of describing the exact response shape, but that is a modest gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.