Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, but it does add real behavioral context: this is a paid call costing $0.01 USDC via x402 and it names the underlying data sources (ScamSniffer+MEW). It omits failure behavior, rate limits, and what the result contains, but the pricing disclosure is meaningful value no structured field provides.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.