Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full behavioral burden and does so well: it discloses data freshness ('rewritten every 20 s'), a failure mode with financial consequence ('older than 120 s is refused with a 503 and not charged'), and the billing model ('Costs $0.03 USDC per call (x402)'). These are exactly the traits an agent cannot infer from the schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.