Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, so the safety profile is covered. Because there is no output schema, the description's enumeration of what comes back (level, term, dates, fee, status, auto-renewal, sub-members, payments) meaningfully adds behavioral context about response content.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.