Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint, openWorldHint, destructiveHint=false), yet the description adds non-obvious context beyond them: the x402 payment requirement per call, the 4-9 second latency, and the failure semantics ('if it cannot answer in time or the input is invalid, it fails and you are not charged'). This is exactly the kind of behavioral detail the annotations cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.