Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, and the description adds substantial context the annotations do not: per-call price ($0.005, 10 free/day, x402 fallback), and error semantics (isError with message, not charged on upstream failure). This is exactly the cost/failure behavior an agent needs before committing to a paid call.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.