Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The readOnlyHint annotation already tells the agent this is a safe, non-mutating call, and the description adds only the semantic framing that the rules are deterministic and purchase-gating. It says nothing about what the policy governs, whether the rules are static or refresh, or what an agent should do with a denial.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.