Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare safety traits (readOnly, idempotent, non-destructive); the description goes well beyond them by disclosing the delivery model: a free sample plus paid URL and pay steps, with no charge at call time and a $17 Base USDC x402 charge for the full result. That payment/return behavior is exactly what the annotations cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.