Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint and destructiveHint=false, so safety is covered; the description adds real value by stating 'limits cannot be changed', which prevents an agent from attempting to modify the budget. It also clarifies the session scoping, though it says nothing about what happens when the budget is exhausted or who the 'authenticated user' is.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.