Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it delivers the single most operationally important fact: this is a paid tool with three settlement paths (0.01 USDC on Base via x402, 12 sats Cashu NUT-24, 12 sats Lightning L402). That is the equivalent of an auth/cost requirement an agent must budget for. It still omits failure modes (unreachable URL, non-redirecting URL) and any rate limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.