Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint and openWorldHint, so the description adds real value on top: the data provenance (official OGL open data), the historic-vs-current data limitation, and precise billing terms ($0.002 USDC per successful call via x402, failures uncharged). Payment/auth behavior is exactly the kind of context annotations can't carry; only the return-shape is left to the output schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.