Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false and openWorldHint=true, so the safety profile is covered. The description adds real behavioral context beyond that: costs are 'verifiable' (externally sourced) and the calculation 'accounts for years included with each transfer', which materially changes the savings math. It does not, however, describe any auth, rate-limit, or freshness constraints.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.