Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations (readOnlyHint, openWorldHint, idempotentHint) already cover the tool's non-mutating, deterministic nature. The description adds a key behavioral detail—the $0.0005 USDC cost per call—which is not present in the annotations and helps the agent anticipate charges.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.