Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly, idempotent, non-destructive and closed-world, so the bar is lower; the description still adds two valuable facts beyond them — that the call itself is free and that the connection may be prohibited from spending credits at all. It doesn't say what happens when credits are exhausted or how the limit resets.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.