Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false and openWorldHint=false, so the safety profile is covered. The description adds value the annotations cannot: it discloses what the response contains (plan, usage, monthly cost) and that results are scoped to "this connection". It does not mention ordering, pagination or failure modes, but for a zero-argument read that is acceptable.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.