Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint and openWorldHint, so safety is covered. The description adds genuinely useful behavioral context beyond annotations: pricing ($0.002 USDC per successful call), payment rails (x402 on Base/Solana/Arc), and the fact that failed calls are not charged. It omits rate limits or latency, which keeps it from 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.