Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only cover read-only/open-world safety, but the description adds substantial behavioral context: expected latency (3-6s), the x402 payment requirement per call, the no-charge guarantee on failure, and the login-page restriction. These are exactly the operational facts an agent needs before invoking.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.