Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and destructiveHint=false, so the safety profile is clear. The description adds the cost ($0.008 USDC via x402), which is a useful additional behavioral detail not captured by annotations. It doesn't describe return structure or other nuances, but the added cost context justifies a 3.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.