Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already provide readOnlyHint=true, so safety is known. The description adds 'GET /items' (reinforcing read-only) and the domain clarification 'things you bill for,' but no additional behavioral context such as pagination behavior, auth requirements, or response shape.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.