Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the readOnlyHint/openWorldHint annotations, it discloses the data source, the daily-only freshness model, and a precise billing model ($0.002 USDC per successful call via x402, failures not charged). That is substantive context an agent needs before calling a paid endpoint; it does not discuss rate limits or result counts.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.