Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does disclose a genuinely useful trait beyond structured data: this is a paid call ($0.01 per call, x402/USDC on Base). It also implies a read of full change history. It stops short of permissions, error behavior on unknown permits, or whether payment is automatic, which holds it at a 3.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.