Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnlyHint and openWorldHint, so the description usefully adds the paid-call model ($0.002 USDC via x402, failures free), the coverage caveat that only awards reported to USAspending appear, and the fixed retention window — all decision-relevant beyond the annotations. It omits rate limits and matching/fuzzy behavior for recipient names.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.