Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the safety profile (readOnlyHint=false, idempotentHint=true, destructiveHint=false), so the bar is lower. The description adds genuine context beyond them: a 'Part of Premium' gate and the skip semantics of 'anything already settled is left alone', which explains why the operation is idempotent.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.