Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint and openWorldHint, yet the description adds genuinely new operational context: a per-call price of $0.002 USDC, the x402 payment rails (Base, Solana, Arc), and that failed calls are not charged. That cost/charging behavior is exactly what an agent needs before calling. It stops short of 5 by omitting error modes, rate limits, or latency.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.