Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnlyHint and openWorldHint; the description goes far beyond them by disclosing the $0.002 USDC per-call cost via x402 on Base/Solana/Arc, that failed calls are free, monthly refresh cadence, and the data's derivation (smoothed, seasonally adjusted, mid-tier, single-family + condo). These are decision-relevant facts an agent cannot get 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.