Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already provide readOnlyHint: true and openWorldHint: false, so the description doesn't need to restate that it's a read operation. The description adds context by specifying what it includes (purchased handles, billing events) and what it excludes (payment method details, Stripe ID truncated). This adds some behavioral context beyond the annotations, but it doesn't mention any other behaviors like rate limits or response format, which are less critical since it's a simple read with no parameters.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.