Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so the bar is lower, and the description still adds real value: it discloses provenance and freshness (price read daily from the provider's own pricing page) plus the prices_as_of/price_status signals the caller can use to judge staleness. It doesn't mention behavior for unknown or unlisted models, which keeps it out of 5 territory.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.