Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so the bar is lower, yet the description adds substantial operational context: the 20,000 curve-trade analysis cap, $0.01 per call pricing, a 10 free/day quota, a payment-required result listing x402 options, and that isError responses for invalid input or upstream failure are not charged. The only missing piece is anything about result shape or latency, which the output schema covers.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.