Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint and destructiveHint=false, so the safety profile is covered. The description still adds domain-meaningful context: this answers the 'did the credit land?' question after an unconfirmed create, and explicitly reassures 'Never spends, never retries' — valuable in a credits context. It does not describe latency or behavior when the key is unknown.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.