Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, so the safety profile is covered. The description adds genuinely useful domain context beyond that: a credit pays for one 160-character SMS part, and 153 characters per part in a concatenated message, which is what lets an agent interpret the returned number correctly.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.