Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false, and the phrase 'without changing records or spending credits' largely restates those. The one genuinely additive detail is that the estimate includes a wallet balance check, which is useful behavioral context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.