Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations: discloses the pricing model ($0.10 USDC per call, x402 or prepaid), that it is excluded from the free trial, the data pedigree (official open data, OGL), a privacy/privacy-scope caveat (statistics only, no addresses of private homes), and recency (crime stats latest month). The annotations' readOnly/openWorld/idempotent=false profile is consistent with the description.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.