Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It usefully discloses that access requires payment (0.01 USDC on Base via x402, 12 sats Cashu or Lightning), which is real behavioral context an agent must know. However, it says nothing about data freshness, caching, rate limits, or failure modes on unpaid calls.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.