Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover read-only and open-world behavior, and the description adds genuinely useful context beyond them: exact price ($0.002 USDC per successful call), payment rails, and the important claim that failed calls are not charged. It omits rate limits or data freshness caveats, keeping it short of a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.