Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint, openWorldHint), and the description adds genuinely new context: the call is free, the returned offer is unpaid, and the payload includes a raw PAYMENT-REQUIRED header. That tells an agent the operation has no cost and no side effect, and hints at the payment handshake. It stops short of explaining how to act on the returned offer.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.