Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false and openWorldHint=false, so safety is covered. The description adds useful behavioral context: it enumerates what is returned (plan, dates, remaining quota/limit per allowance) and the 'call it once' guidance implies a stable, cacheable, side-effect-free read. It stops short of stating auth requirements, but nothing contradicts the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.