Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, openWorldHint, idempotentHint, and destructiveHint false. The description adds meaningful context beyond that: it discloses the 422 rejection behavior for invalid address types (with no charge), and states the cost (10 credits). This gives the agent important operational knowledge about failure modes and pricing, which annotations do not cover.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.