Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It does disclose the important side effect that billing/credits stop accruing, which is genuinely useful context beyond the schema. However, it says nothing about idempotency (behavior when no session is open), whether any session state is lost, or error conditions for a teardown operation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.