Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed-world), and the description adds genuinely new behavior: the returned report is itself a payable x402 endpoint, that payment happens through the agent's own x402 client, and that unmonitored endpoints return 404 and are never charged. The billing and error behavior are exactly the kind of context annotations cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.