Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnlyHint/openWorldHint; the description adds substantive behavior beyond them: the pricing model ($0.005 USDC per successful call), the payment rails (x402 on Base, Solana or Arc), and the important detail that failed calls are not charged. It also discloses that no synthesis happens, setting expectations for output semantics.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.