Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, openWorldHint and destructiveHint=false, so the safety profile is covered. The description adds genuine behavioral value beyond that: budgets are returned in both minor units and *_major, and it instructs the agent to quote the major figure. It does not cover pagination or auth, but the currency-formatting note is a meaningful disclosure.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.