Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=false, so the safety profile is partly covered. The description adds meaningful context beyond that: 'Pure computation, free' tells the agent there are no side effects or costs, and 'Do not send real card numbers' is a useful privacy warning. It does not explain return format, but with the annotations carrying the safety profile this is a strong addition.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.