Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=false, and the description adds genuinely useful behavior beyond them: it validates the input, performs no execution, incurs no charge, returns estimated_points and max_points, and states the result is only valid for 5 minutes. These are exactly the operational traits an agent needs and are not derivable from the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.