Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare this is a non-read-only, non-destructive, closed-world write. The description adds behavior annotations do not carry: it is free (useful given the credits_get sibling) and it is idempotent-by-matching ('matched and kept, never duplicated'). It does not describe partial-failure or per-item error behavior for batch submissions.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.