Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already provide readOnlyHint=true, so the safe-read nature is covered. The description adds value by enumerating the specific data fields returned (plan label, fee, discount, wallet usage), giving agents a clearer expectation of the response without any contradiction.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.