Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, openWorld, and non-destructive, so the safety bar is low. The description adds genuinely new behavioral context by disclosing cost ('Spends 1 credit'), which an agent needs to decide whether to call this versus a bulk path, though it says nothing about rate limits or auth.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.