Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, so safety is covered. The description adds concrete behavioral context: a credit cost ('Costs 5 credits') and the precise data scope (categories like passing, rushing, defense, EPA, standings row, weekly lines), which goes beyond what annotations provide.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.