Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-only and non-destructive, and the description adds substantial context beyond them: basic auth needs no business OAuth scope, results do not reserve capacity or guarantee a later write, NOT_APPLICABLE is not unlimited and UNAVAILABLE is not zero, business lists exclude package quotas, and paused records don't consume capacity. This is exactly the interpretive context a consumption/quota tool needs.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.