Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations present, the description carries the full burden and does so: 20s rewrite cadence, <=30s chain lag, a 120s staleness cutoff that returns 503 without charging, and a $0.02 USDC x402 payment requirement. These are exactly the operational facts an agent needs before calling, and none are available in 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.