Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so the bar is lower; the description still adds value by naming the currency (USD) and the source of truth ('live plan catalog'), plus redirecting purchase intent off-tool. It doesn't say whether prices/plans can change between calls or how stale the catalog might be.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.