Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnly/idempotent/non-destructive and a closed (non-open-world) data source, so the safety profile is covered. The description adds genuinely useful behavior beyond that: the free tier is capped at 10 entries and masks addresses, which tells the agent the output differs by credential tier. It does not explain what changes with a Pro key, so it is not fully transparent.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.