Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint=false, so the safety profile is covered. The description adds a genuine scope boundary (top-up eligibility is reported elsewhere) that annotations do not convey, but says nothing about auth, rate limits, or lookup failure behavior for an unknown destination.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.