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 value beyond them by disclosing the call is free and by enumerating the payload categories (schema, example, endpoint, price, purchase flow), which tells the agent this is a heavyweight metadata read rather than a terse lookup.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.