Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint and openWorldHint, but the description adds meaningful behavior beyond them: up to 20 advisories are listed while 'the count is the full number' (truncation semantics), and the pricing model ($0.002 per successful call via x402, failed calls not charged). That pricing and truncation detail is genuinely useful and not captured in 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.