Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, openWorldHint and destructiveHint=false, so the safety profile is covered. The description does add genuinely non-annotation information: a usage-based cost estimate (~$0.04/request) and a warning that final settlement may differ, which is useful behavioral context for a paid API call. It still omits rate limits, result shape, and any pagination behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.