Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so the safety profile is covered. The description adds valuable non-schema context by disclosing this is a 'Premium API' with a specific cost ('$0.25 USDC via x402'), which is an important constraint for an agent deciding to invoke it. It also describes the kind of data returned, adding transparency 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.