Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint, so the safety profile is covered. The description adds valuable behavioral context: it explains the fallback to Free tier when no active or past-due subscription exists, and reassures that payment-processor credentials are never returned. This goes beyond the annotations and gives the agent confidence about edge-case behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.