Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden and does substantially: it discloses the cost ($0.05 in USDC on Base via x402) and the unpaid-path behavior (returns the 402 challenge). It omits error handling, rate limits, or what the evidence/basis fields look like, but the payment semantics are a meaningful disclosure.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.