Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, and the description adds value beyond them: free, no key needed, keyless-try behavior, that api_key is ignored when signed in, and that with a key the response also reports whether existing credits cover the job. It stops short of describing output shape, which the output schema covers.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.