Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already disclose the safety profile (readOnlyHint=false, destructiveHint=false, idempotentHint=true, openWorldHint=true), so the bar is lower. The description adds a genuinely useful behavioral fact not in annotations: the per-call cost ($0.10 USDC). It does not describe latency, rate limits, or what a 'brief' should contain.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.