Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does disclose a highly non-obvious trait: the MCP call does not perform the check, it returns payment requirements, and settlement happens via a separate POST with x402 headers, including the exact cost. It omits what a settled response contains and whether the payment requirement is returned every call or only once.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.