Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnlyHint and openWorldHint, yet the description adds the exact cost ($0.002 USDC per successful call), the payment rails (x402 on Base, Solana, Arc), the fact that failed calls are not charged, and the snapshot/non-advisory nature of the data. These are material operational traits an agent cannot get from structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.