Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, and non-destructive, so the safety profile is covered. The description adds useful quota semantics (50 free card views) beyond the annotations, but says nothing about auth requirements, error behavior, or what Pro unlocks relative to free.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.