Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish the safety profile (readOnly, idempotent, non-destructive), so the description only needs to add context. It does: 'Free' is meaningful cost disclosure given credit-consuming siblings like buy_credits and get_credit_balance, and it sketches the returned fields. It says nothing about rate limits or match breadth, but the bar is lower with full annotation coverage.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.