Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnly, idempotent, non-destructive, closed-world), and the description adds the non-obvious behavior that matters here: a free sample is returned plus a paid URL, nothing is charged at this step, and the full result costs $0.02 Base USDC via x402. That payment-path disclosure materially changes how an agent invokes and reports the tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.