Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does disclose the important behavioral facts that access is keyless and that calls cost $0.02 USDC on Base via an x402 paid endpoint. However it says nothing about rate limits, timeouts, failure/refund behavior, or what happens when the target URL is unreachable, which matters for a paid operation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.