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 safety profile is covered. The description adds genuinely new context: a concrete cost of 5 credits and the exact scope of the payload including per-90 rates and the last 10 matches, which tells the agent this is a heavy/expensive call worth caching.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.