Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=false, so the safety profile is covered. The description adds the specific data reported (spending limit, weekly free run status, credit balance), which is useful behavioral context, but since an output schema exists these returns are partly documented elsewhere. No mention of rate limits, auth requirements, or refresh behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.