Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the read-only annotation, the description discloses pricing, payment mechanism, networks accepted, and that failed calls are not charged. It also names the upstream source and the national-only limitation, giving an agent the operational context needed before invoking a paid read.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.