Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/openWorld/not-idempotent. The description adds value beyond them: the top-25 token cap on holdings, contract-detection and ENS behavior, and the pricing/credit model ($0.01 USDC per call, x402 or prepaid, free trial). That pricing and result-cap context is genuinely useful and not in the 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.