Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden and does so richly: it discloses the two data sources, a 24-hour expiry, that the signing ChainHelix key holds no funds, the meaning of each result state (clear/listed/partial), and the 6-cent price. These are exactly the traits an agent needs before committing.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.