Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover safety (readOnly, idempotent, non-destructive), so the description adds genuinely new behaviour: $0.002 per call with 10 free daily, a payment-required result carrying x402 options after the quota, and isError with a message (uncharged) for invalid input or upstream failure. It also explains what a repeat block-0 wallet means, which is interpretation an agent needs to read the output.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.