Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/openWorld/non-destructive, but the description adds substantial behavior beyond them: the per-call cost (~$0.001), the budgetUsd cap semantics, the chargedUsd return field, and an auth requirement ('Needs the write scope'). The write-scope note sits in mild tension with readOnlyHint but describes authorization, not mutation, so it is not a true contradiction.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.