Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish read-only, idempotent, non-destructive, closed-world behavior, so the bar is lower. The description still adds non-obvious context: the call is free and the credits reported are scoped to 'the current billing cycle.' It does not mention rate limits or auth requirements, but for a read-only account query those are minor.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.