Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already mark it read-only and non-destructive, and the description adds meaningful behavioral context: it presents credits, recommended badge, and labels, and forbids quoting USD or backend provider names. This goes beyond a generic 'list' statement, though it does not cover error/empty-state behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.