Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint=true, openWorldHint=true), so the bar is lower; the description still adds real value by disclosing the 100-document cap, the return contract (indices and scores, best first), and a concrete per-call cost of $0.003 USDC via x402. It does not say what happens when more than 100 documents are supplied or whether calls are metered/throttled.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.