Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The description carries the highest-value behavioral detail not present in annotations: it costs $0.001 USDC on Base per successful call via x402, and the per-successful-call phrasing implies failures are not billed. Annotations mark readOnlyHint=false, which would look inconsistent for a read tool, but the paid x402 settlement plausibly explains it, and destructiveHint=false / openWorldHint=true align with chain data reads. No contradiction, and useful context beyond structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.