Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, and closed-world, so safety is covered. The description adds genuinely useful behavioral detail beyond that: the granular balance breakdown (allowance/used/pending/booked ahead/remaining), the inclusion of notice and approval rules, and that request ids are returned. It does not discuss pagination or result size limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.