Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnly, idempotent, closed-world, non-destructive semantics, and the description adds a genuinely useful behavioral fact the annotations don't carry: a 5-credit cost. It stops short of noting caching/freshness of the weekly lines, but against rich annotations the incremental context is solid.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.