Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint and openWorldHint, so safety is covered; the description adds genuinely useful behavior beyond that, namely the per-call cost ($0.003 USDC via x402) and the paid-call model. It stops short of describing result limits, pagination, or failure modes.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.