Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It usefully discloses the pay-per-call cost model ($0.005 per call, USDC on Base), which is real value an agent cannot get from structured fields, but it says nothing about latency, failure modes, or how the paid call is settled. The cost disclosure lifts it above a bare 2.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.