Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations supply the safety profile (non-destructive, idempotent, open-world), so the bar is lower, and the description still adds the essential behavioral fact that the call costs a flat $0.05 — a charging trait not captured by any annotation. It does not detail the payment flow, but the x_payment parameter schema already explains the charge/quote behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.