Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations confirm read-only/open-world access, while the description adds critical behavior not in annotations: cost ($0.002 USDC), payment mechanisms (x402 on Base/Solana/Arc), and that failed calls are not charged. This is exactly the kind of auth/cost context an agent needs before invoking a paid tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.