Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already provide readOnlyHint, idempotentHint, and destructiveHint, so the description doesn't need to repeat those. The description adds 'subscription-gated,' which is a behavioral constraint, but it doesn't explain what an 'overlay context' does or what the output represents. This is acceptable but minimal.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.