Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint/openWorldHint/destructiveHint, so the safety profile is covered; the description adds the genuinely non-obvious fact that the call is paid (0.02 USDC on Base or Solana), which is exactly the kind of auth/cost context annotations cannot express. It does not state what happens on missing payment or expected latency, keeping it below 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.