Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/openWorld, and the description adds substantive extras beyond them: the 20k trade analysis cap, pricing ($0.01/call, 10 free/day, x402 payment-required result), and error behavior (isError on invalid input or upstream failure, not charged). This is exactly the value-add structured fields cannot carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.