Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, openWorldHint=false and destructiveHint=false, so the safety profile is fully covered. The description adds only the information scope (plan limits, destinations, credits); it says nothing about freshness, auth scopes, or whether limits are per-workspace or per-user.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.