Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare idempotentHint=true and non-destructive/non-readonly, so the safety profile is covered. The description still adds real value beyond them: it discloses that a monetary charge is incurred, that the amount equals credits.owed, and that the charge is only made once – a financial side effect an agent must know before calling.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.