Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnlyHint and openWorldHint, but the description adds substantial behavior: per-result cost ($0.03 USDC via x402 on Base), the conditional billing rule tied to data availability, and that it consumes one of 5 free daily calls. This is exactly the kind of pricing, billing, and quota context the agent needs and cannot get from structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.