Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It usefully discloses the payment model (x402, USDC on Base) and that full text is free to humans but paid for machine reads, which is meaningful behavioral context. It does not state whether the listing call itself is free, whether authentication is needed, or any rate limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.