Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and destructiveHint=false, so the safety profile of this lookup is fully covered. The description adds the useful detail of what the payload contains (quota, features, yearly discount), but says nothing about caching, freshness of pricing, or result size. With annotations carrying the behavioral burden, 3 is appropriate.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.