Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnly, non-destructive, open-world), and the description adds value beyond them: latency expectation (4-9s), the returned fields, and monetization behavior ('paid per call with x402; a failed call is not charged'). The billing and failure-charging disclosure is exactly the kind of operationally critical context an agent needs.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.