Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed world), so the bar is lower. The description adds real value by disclosing what the response contains — derived status, next expected charge, per-currency monthly equivalent — which is important given there is no output schema. It does not mention ordering, volume, or behavior when no subscriptions exist.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.