Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It usefully discloses a real behavioral trait — the $0.001 USDC payment on Base via x402 — but leaves "recurring" undefined (subscription vs. repeated call), and says nothing about cadence, return format, or any auth/rate constraints.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.