Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint=true, destructiveHint=false, openWorldHint=false), so the description only needs to add what they don't. Disclosing 'Costs $0.002 via x402' is genuinely valuable, non-obvious context an agent needs before calling, and the enumerated report scope clarifies the operation's depth. No auth or rate-limit details, but for a read-only report that is a minor gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.