Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint and openWorldHint, but the description adds substantial context they don't cover: a rate limit and pricing model (3 free calls/day across all tools, then $0.005 USDC via x402 or card credits, paid in-band via params._meta), the upstream providers and their fallback order, and the fact that only currently valid certificates are returned, newest first. These are exactly the operational facts an agent needs before calling a paid external tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.