Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, so safety is covered. The description adds real value by disclosing the returned payload composition (subscriber, addresses, line items, discount codes, policies, payment method, billing dates), which matters because there is no output schema. It says nothing about not-found behavior, permissions, or id format, which is why this sits at 3 rather than higher.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.