Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly and openWorld, so safety is covered. The description adds valuable non-annotated behavior: USGS source, newest-first ordering, 30-day max, and especially the x402 payment model with $0.002 per successful call and no charge on failure — pricing is a material calling consideration an agent must know.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.