Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true, so the description adds the cost information ($0.01 USDC) which is beyond annotations. However, it does not disclose other behavioral traits like rate limits or response format, but the output schema covers that. The description does not contradict annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.