Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnlyHint/openWorldHint, yet the description adds substantial behavior: a quote-then-pay flow, x402 payment on Base, exact quoted amount, rows without data never charged, a $1 cap, quote expiry of 15 minutes, and 3 free scans per IP per day. That is exactly the extra context annotations cannot carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.