Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the readOnlyHint/openWorldHint annotations by disclosing the paid-access model — $0.002 USDC per successful call via x402 on Base, Solana or Arc, with failed calls uncharged — plus the shape of the response (total hit count, latest filings with company, CIK, form, file date). Cost and payment mechanics are exactly the sort of behavior an agent must know before invoking.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.