Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, and non-destructive, so the description's 'without changing records or spending credits' is partly redundant — but it usefully extends that to the credit/billing model, which annotations cannot express. The organization-scoping constraint ('only exports belonging to your organization are accessible') is genuinely new behavioral context an agent needs to predict authorization failures.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.