Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/openWorld/non-destructive, so the description's main value-add is the explicit cost disclosure (0.10 USDC per call), which is genuinely useful behavioral context absent from structured fields. It does not add anything about response shape or rate limits, but the paid-call warning is the important bit here.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.