Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does so: it discloses a flat 0.01 USDC introductory charge that is not a per-URL success guarantee, disables automatic retries, warns against re-paying unknown outcomes, and specifies that the payment challenge is bound to the HTTPS POST endpoint rather than mcp://. This is exactly the behavioral context an agent needs for a paid, non-idempotent call.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.