Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint, openWorldHint), and the description adds genuinely new behavior: pending transactions report status 'pending', a fallback node is used for stale receipts, and the exact pricing/billing model ($0.002 USDC via x402, failed calls uncharged). This is substantive context beyond the annotations, though retry/rate-limit nuance could go further.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.