Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint=true, openWorldHint=true), so the bar is lower, and the description adds real operational context beyond them: the data source (KASI special-day list) and the per-call cost/payment mechanism ($0.005 USDC via x402 on Base). No disclosure of latency, caching, or rate limits, but pricing is a notable, non-obvious trait.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.