Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the readOnly/openWorld annotations, the description discloses caching (30 seconds), the exact cost ($0.002 USDC per successful call), the payment mechanism (x402 on Base, Solana or Arc), and that failed calls are not charged. These are material operational facts an agent needs before invoking a paid endpoint and are not present in the 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.