Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate read-only and idempotent behavior; the description adds valuable detail about the fee formula, rail selection (x402 vs Stripe-hosted USDC), and explicitly states it never creates a payment. This is context beyond annotations, with no contradiction.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.