Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the mutation/open-world/non-idempotent profile, so the safety story is covered. The description adds genuinely useful context the annotations cannot: asynchronous execution, the returned handle, and the per-row billing rule ("charged only if it finds accounts"). It says nothing about failure handling, per-row errors, or whether re-submitting the same URLs double-charges.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.