Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With annotations only declaring readOnlyHint=false and destructiveHint=false, the description adds real behavioral context: the prior failure refunded credits and this retry charges 2 again, plus that the result surfaces on a card. The instruction 'say so' usefully tells the agent to disclose the cost to the user, though the phrasing is terse.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.