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 well: it discloses the tolled cost ($0.02 USDC), the accepted chains/payment rail (Base or Solana via x402), and the critical failure behavior that an unpaid call returns 402 payment instructions instead of data. It stops short of describing rate limits, caching, or the exact return shape.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.