Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-only, open-world, non-idempotent and non-destructive traits, so the bar is lower. The description adds genuinely new context: per-call credit cost, re-charging on repeated calls (consistent with idempotentHint=false), and an untrusted-data warning. It does not mention auth requirements or pagination, but the cost and safety disclosures are substantive.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.