Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint=true, destructiveHint=false, openWorldHint=false). The description adds genuinely non-obvious behavior: ledger rows are account/region-level with no native marketplace, surface tenant-wide for any marketplace-scoped key, and anchor to the tenant's primary marketplace, plus a UTC timestamp note. This is valuable context the annotations cannot convey, though it doesn't discuss result volume or freshness limits beyond the schema's diagnostics flag.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.