Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond annotations, the description discloses live node fee estimates, round-up to whole sats, selection of the fastest estimate fitting each cap, the no-confirmation-guarantee caveat, and that nothing is signed or broadcast. It also states cost per call (20 sats / US$0.01 USDC), which annotations do not cover. It does not address the l402/pay_with payment handshake or rate limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.