Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnly and openWorld; the description adds materially new behavior: a $0.002 USDC charge per successful call, the x402 payment rails (Base, Solana, Arc), and that failed calls are free. Cost and payment-auth implications are exactly what an agent needs before invoking a paid endpoint and are absent from structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.