Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does well by disclosing the read-oriented check behavior, the specific return fields (riskScore, riskLevel, shouldExecute), and the x402 payment requirement. It could add more detail about side effects or edge cases, but for a checking tool it is reasonably transparent.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.