Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint, and the description adds useful context: it notes that billing access requires the 'billing:read' scope, that access is limited to an 'authorized client,' and that 'suggestions and unknowns remain explicit.' This goes beyond the annotations, though it does not cover pagination behavior despite the 'after' parameter.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.