Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries full behavioral burden and does so richly: it discloses the ranking methodology (replay of 60 buys through a fixed exit, shrinkage toward pooled mean), refresh cadence (rebuilt hourly), failure behavior (503 and not charged if older than 3h), and cost ($0.05 USDC via x402). These are exactly the operational traits an agent needs before calling a paid, snapshot-based tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.