Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false and openWorldHint=false, so safety is covered. The description adds real value beyond that: it discloses the returned payload shape (identity, plan unlock status, looks, clips) and the cost profile ('Costs no credits'), which is not derivable from annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.