Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden and does well: it discloses the paid, metered nature of the call (0.001 USDC per call over x402 on Base), which is exactly the kind of cost/auth context an agent needs before invoking. What it omits is freshness/caching behavior (is the gas price live or cached?) and whether the payment requires prior setup, which keeps it from a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.