Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-only and idempotency, and the description adds substantial context beyond them: paid-plan gating, a concrete 25-credit cost, that an empty slate and a failed call are free, and a hard 'tonight's slate only' scope. That is exactly the operational detail an agent needs before spending credits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.