Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations present, the description carries the full behavioral burden and it does disclose the most important trait: this tool produces a request but performs no execution and moves no payment, i.e. it is side-effect free. It also flags an external protocol (x402), but omits whether the returned request needs signing, auth, or a rate limit.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.