Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true and destructiveHint=false, so the safety profile is covered. The description adds value beyond that by disclosing the payload shape (price, allowance, features, current plan) and the fact it spans both all plans and the account's own — context a no-param list tool otherwise wouldn't convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.