Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnlyHint and openWorldHint; the description adds substantial context beyond that: a per-call price of $0.002 in USDC via x402, accepted chains (Base, Solana, Arc), and the crucial fact that failed calls are not charged. It also discloses the data range (latest value plus up to 24 months). This is exactly the extra behavioral detail annotations cannot carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.