Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnly/idempotent/non-destructive, but the description adds real behavioral context beyond that: the API validates plan, hours and setup before returning an offer, so a refusal is free; the response contains one leg per network with amount in USDC, pay-to address, token, signature validity window, and signing payload. That is exactly the kind of pre-call and post-call behavior an agent needs for a payment flow.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.