Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden, and it does add real value: it discloses that the tool is paid, listing exact costs (0.01 USDC via x402, 12 sats Cashu NUT-24, or 12 sats L402), so an agent can anticipate a 402-style payment flow. However, it says nothing about invalid time-zone handling, DST edge cases, or what happens with omitted optional parameters.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.