Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint and a closed-world surface, so the safety profile is covered. The description adds genuinely useful context the annotations cannot: amounts are in AUD cents, the unit of aggregation is per job, and the result includes discounts and totals. It does not discuss pagination or volume limits, which is the only material omission.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.