Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already supply readOnlyHint, openWorldHint, and idempotentHint, so the safety profile is covered. The description adds valuable context: 'catalog-backed, does not execute code' reinforces no side effects, and the explicit pricing ($0.001 USDC or 1000 drops XRP) is unique behavioral information not present in annotations. This goes beyond the baseline and gives the agent key operational details.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.