Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, so the safety profile is covered. The description adds genuinely useful context by disclosing the required auth scope (billing:read), but says nothing about the size or window of "recent ledger lines", whether results are paginated, or the response shape.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.