Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnlyHint and openWorldHint; the description adds genuinely new behavioral facts: the call costs $0.002 USDC via x402 on Base/Solana/Arc and failed calls are not charged, which is critical pre-invocation context for a paid tool. It also enumerates what a detail lookup returns (classifications with hourly rate and fringe benefit, covered counties, construction type, revision, publish date). Rate limits and pagination behavior are not covered.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.