Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, open-world), so the description is free to add the genuinely new and decision-relevant fact: invocation costs $0.01 USDC via x402, meaning an agent must handle payment. That is meaningful context beyond structured fields. It still omits what the response looks like or how confident the origin inference is, keeping it out of 5 territory.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.