Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The annotations establish that this is a mutating, idempotent, non-destructive operation, but the description adds substantial behavioral detail beyond them: unknown usage stays pending, settled credits can increase only from confirmed existing receipts, interrupted attempts must reuse the idempotency key, and failed partial jobs remain failed even if billing settles.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.