Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral disclosure burden. It adds value by mentioning that the check is 'live', that it costs $0.003, and that it involves a 'real 402' and checks for 'challenge shape' and 'payTo consistency', implying active HTTP interaction with the endpoint. It does not discuss auth, rate limits, or side effects, but the cost and live nature are meaningful disclosures.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.