Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Given annotations already declare readOnlyHint=true and destructiveHint=false, the bar is lower. The description adds value by specifying the exact outputs (price, free run, balance coverage) and the timing (before creation), which goes beyond the safety profile.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.