Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so the safety profile is covered. The description adds value beyond that by disclosing the response contents (usage, limit, reset, a plan-management URL) and by explicitly ruling out mutations ('does not change the plan or purchase credits'), which prevents a plausible agent misread of a billing-adjacent tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.