Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, openWorldHint, and idempotentHint. The description adds significant operational context by specifying production payment mechanisms (x402 v2 PAYMENT-SIGNATURE for Base USDC or X-Found17 billing headers), which is critical for correct invocation and goes beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.