Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnlyHint=true and openWorldHint=false, so the safety profile is covered. The description adds genuinely useful behavioral context beyond that: it returns billing implications, retryability, retry delay, and a recommended agent action, which tells the agent why the call is worth making.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.