Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish the safe read-only profile (readOnlyHint=true, destructiveHint=false, openWorldHint=true). Beyond that, the description discloses a genuine behavioral trait structured data does not: the $0.002 USDC cost on Base, plus an implicit latency hint ("Instant"). It still omits payment flow and error behavior, so it is not fully rich.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.