Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral load and does a fair job: it discloses cadence (hourly), duration (30 days), that alerts go to a webhook, the return value (id), that polling GET /monitor/:id is free, and the cost ($1.00 USDC). It omits the payment/auth mechanism and what actually constitutes a detected change.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.