Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only say non-read-only, open-world, idempotent. The description adds genuinely new behavior: a trust assumption ('Verify against a trusted header chain') and a cost model ('20 sats or US$0.02 (USDC) per call'), both of which change how an agent should invoke and budget this. No conflict with readOnlyHint=false, since the call is paid and produces an artifact.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.