Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The readOnlyHint annotation already establishes that this is a safe, non-mutating call, so the description's remaining burden is lighter. It adds the useful detail that several distinct billing facets are returned together, but says nothing about the response shape, per-facet permissions, or whether reserved funds and signed budget are account-scoped — real gaps for a data-retrieval tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.