Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false, so the safety profile is covered. The description adds the actual returned values (credits, claim state, check count), which is useful, but says nothing about authentication requirements or the api_key fallback behavior beyond what the schema states.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.