Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true. The description adds valuable context beyond that: pricing model ($0.002 USDC per successful call via x402, failed calls not charged), data source (eCFR), search limitation (only table entries, not paragraph entries), and result cap (up to 20 matches per call). This is a solid behavioral disclosure, though it stops short of describing return values or pagination behavior (which the output schema presumably covers).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.