Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, and closed-world, so the safety profile is covered. The description still adds real value by stating there is no charge ('Free; changes nothing and charges nothing') and by naming the pricing/version/capacity fields the call surfaces, which the agent would otherwise not expect from a 'list roster' tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.