Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnly, idempotent, non-destructive, openWorld), so the description's job is to add context. It does so by disclosing the pricing model (free vs 0.02 USDC), the absence of any wallet/payment requirement, and that no arguments are needed — none of which is in 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.