Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint and openWorldHint, so the safe-read profile is covered. The description adds non-obvious operational detail beyond that: per-call pricing ($0.002 USDC), the x402 payment rails (Base, Solana, Arc), and that failed calls are not charged. Remaining gap is nothing about rate limits or response size, so not 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.