Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint false. The description adds meaningful behavior beyond that: anonymous callers receive list pricing, authenticated callers receive account pricing, and no authentication is required to use the tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.