Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does disclose two important traits: a fixed price (20000 atomic USDC) and that payment authorization is required before execution. It still omits reversibility, idempotency, failure behavior on declined payment, and what execution actually produces.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.