Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnlyHint=true; the description adds important behavior: it provides purchase information, the real check costs 0.005 USDC via x402, and this tool itself does not pay. It does not describe the response format, but the key safety and payment expectations are covered.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.