Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare a safe, idempotent, closed-world read, so the bar is low, and the description still adds value: it fixes the currency (USD), names the tiers and billing cycles, and signals via 'current details' in the url field that the embedded prices may be stale. That freshness caveat is genuine behavioral context an agent would not get 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.