Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The annotations already state that this is a read-only, idempotent, closed-world, non-destructive computation. The description usefully adds that tiers, accelerators, quota percentages and caps are applied, that results are computed in cents, and that it won't judge fairness. However, it claims "Does not handle draws", but the schema exposes draw_amount and draw_type on both plans, so it contradicts the structured data and could mislead an agent about whether draws are respected.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.