Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so safety is covered. The description adds two genuinely useful bits of context: the estimate uses the org's real token volumes (not hypothetical) and applies standard rates, implying negotiated discounts are excluded. It does not say whether historical data availability affects the result or how partial windows are handled.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.