Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true, and the description adds useful context: data comes from FRED, is national and monthly, and has a specific pricing model ($0.002 USDC per successful call via x402, no charge for failures). It does not, however, describe rate limits, update latency, or output structure beyond what the output schema provides.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.