Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=false, so safety and scope are covered structurally. The description usefully adds what data surfaces (credit balances, reset period, seats, site locations), which is real value beyond the annotations. It does not say whether the data is live or cached, nor what happens when no account is connected — gaps that matter for an account-context call.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.