Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false, and openWorldHint=false, and the description's 'Read-only; no credits spent' largely restates that. It adds little behavioral detail beyond annotations, though it does indicate the response includes plan allotment and recent transactions, which is useful framing.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.