Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral burden and does so well: it discloses the $0.01 USDC x402 cost, hourly rebuild cadence, and that untracked wallets return 404 and are not charged. It does not cover auth requirements or rate limits, keeping it short of 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.