Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare idempotent=true, destructive=false and openWorld=true, so the safety profile is covered. The description adds genuinely new behavior: a reminder paused for out_of_credit will re-pause at the next occurrence if the account is still empty, and the agent should check get_usage and inform the user. That is a non-obvious side effect worth surfacing.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.