Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does disclose the most important trait: it returns a request rather than executing it or moving payment. However, it omits whether the returned request must be signed, what x402 flow it participates in, and any auth/permission requirements for the call itself.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.