Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false, so safety is covered; the description adds the non-obvious `billing:read` scope requirement, which is exactly the kind of auth context that saves a failed call. It does not describe freshness/latency of the 'current period' figures, keeping it short of a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.