Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and openWorld, so the safety profile is covered. The description adds one genuinely non-schema piece of context, "Free" (no credit cost), which is valuable for planning multi-call workflows; however it says nothing about return shape or whether the list is exhaustive or paginated.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.