Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnlyHint=true, destructiveHint=false, and openWorldHint=true, so the safety profile is covered. The description adds the credit cost and the fact that this is an external-data risk lookup, which are genuinely useful and not in the annotations, though it says nothing about rate limits, caching, or freshness of the data.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.