Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, and closed-world, so safety is covered. The description adds genuinely useful behavior beyond that: this returns a change-log style feed (cuts, increases, newly added models) rather than a point-in-time price table, which is not derivable from the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.