Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-only/idempotent/non-destructive/open-world, and the description adds substantial behavior beyond that: it is a paid call ($0.003), validation is offline and checksum-only where the authority publishes an algorithm, unsupported countries return 'unknown' for free, and the response explains x402 payment when no api_key is supplied. That is exactly the kind of cost, degradation, and auth context annotations cannot express.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.