Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare non-read-only, non-destructive, non-idempotent, open-world, but the description adds genuinely new behavior: nothing is charged by this tool, filing starts only after payment, and a warning not to claim the registration is paid or filed from a checkout_url. The plan-included branch returning included_in_plan and filed=true is extra disclosure not derivable from annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.