Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-only, open-world and non-destructive safety. The description adds genuinely valuable behavior: an empty-cache case that triggers background pricing and returns only a 'pricing started' notice, with a retry-after-a-minute hint. That async/latency trait is the kind of thing an agent cannot get from the schema or annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.