Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does disclose meaningful behavior: read-only introspection of quota state plus the cost trait (free, quota-exempt) and the reset rule (first of next month, UTC). It does not state auth/permission requirements, but for a key-scoped read endpoint that is a small residual gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.