Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/openWorld, but the description adds genuinely non-structured behavior: a $0.002 USDC charge per successful call via x402, with failed calls not charged, and a 50-row ceiling. That payment model materially affects invocation decisions. It stops short of noting data recency or which years are actually populated.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.