Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, openWorld, non-destructive), and the description goes well beyond them: it discloses error semantics (400 for an unlisted symbol, 503 for a failed read), billing behavior on those errors ('neither is ever billed'), a precise per-call price, and accepted payment rails. That is exactly the operational context an agent needs to decide whether to invoke it.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.