Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false, and openWorldHint=false, so the safety profile is fully covered elsewhere. The description adds only the "daily" cadence hint; it says nothing about whether the balance resets, or what a zero/low balance implies for other tools.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.