Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=false, so the safety profile is covered. The description adds the useful behavioral fact that prices are denominated in USD and that policy terms (billing, 6-month replacement, approval, exclusions) are included, but says nothing about whether the catalog is static or refreshed, or how results are shaped.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.