Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint=false, destructiveHint=true, idempotentHint=true), so the description's job is to add context, and it does: it discloses real cost ($0.02 per 1,000 original words per target, $0.01 minimum) and that cached reads are free. What it does not explain is why the operation is flagged destructive, e.g. whether it consumes wallet balance irreversibly.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.