Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (destructiveHint=false, openWorldHint=true), and the description adds genuinely non-obvious context the annotations lack: the call costs $0.001 USDC on Base via x402 per successful call. It does not disclose output format or failure behavior, but the payment disclosure is the meaningful extra.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.