Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false, openWorldHint=true, and idempotentHint=false, so safety is covered. The description adds genuinely useful context the annotations lack: the $0.01 USDC cost per call, which matters for an agent deciding whether to invoke it. It stops short of explaining payment mechanics or rate limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.