Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnlyHint=true, openWorldHint=true, idempotentHint=false), so the bar is lower. The description goes further with the billing model ($0.003 USDC per call via x402 or prepaid credits), the free-trial status, and the fact that tier and price change when a premium index is connected — material details an agent cannot get from annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.