Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so the safety profile is covered. The description adds genuinely useful behavioral context beyond that: the pricing model ($0.02 Base USDC), that the call itself is free with a free sample plus paid URL and pay steps, and the x402 payment path. It stops short of describing error/timeout behavior for an invalid hash, so not a full 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.