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 genuinely important context: the 1000 atomic USDC cost and that payment authorization is required before execution. It still omits the output form (64-char hex digest), determinism, and whether results are cached or side-effect free, so it is only partially complete for an unannotated tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.