Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and destructiveHint=false, so the read-only behavior is covered. The description adds context beyond annotations by disclosing that paid usage and invoices are disabled in the beta, which is a meaningful behavioral restriction an agent must know.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.