Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare this a safe, idempotent, read-only, closed-world listing, so the bar is low. The description adds real value beyond them by disclosing the credit-cost model (ceil(characters / 20), minimum 1) and the pricing fields returned, which an agent cannot infer from annotations or schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.