Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With zero annotations the description carries the full burden, and it discloses the defining behavioral trait well: this is a paid call ($0.005 USDC via x402), so the agent knows each invocation incurs cost. It also states what comes back (risk scores, market data). It still omits failure/payment-error handling and rate-limit behavior, keeping it below 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.