Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the read-only/open-world profile, and the description adds highly consequential context they cannot: the $0.002 USDC per-successful-call cost, the x402 payment rails (Base, Solana, Arc) and that failed calls are not charged. Cost and payment mechanics are precisely what an agent needs before invoking a paid tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.