Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly and openWorld, so the bar is lower; the description still adds real value by disclosing the paid x402 billing model ($0.002 USDC per successful call, failures not charged) and the copyright restriction. Minor omission: no rate-limit or pagination behavior, though a single-date query makes that largely moot.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.