Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden of behavior and does usefully disclose the x-agent-key free path, the x402 payment requirement including amount and chains, and the payment_required envelope with a pay_x402 action. It does not explicitly state that the operation is read-only or describe success-response shape, but the output schema covers the response.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.