Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (destructive=false, idempotent=true, openWorld=true), and the description adds the cost dimension ('$0.001', 'cheapest real call') plus the cheap-probe-before-parsing workflow, which is genuine context not in the structured fields. It does not contradict readOnlyHint=false (the paid call is a real side effect), though it never explicitly frames itself as a metered x402 call — that detail lives only in the x_payment schema field.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.