Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only cover readOnlyHint and openWorldHint, so the description carries the behavioral load and does disclose the sort order (cheapest first), the per-card payload (cheapest live on-demand rate card with provider/read time/page, median rate card and panel size, VRAM, price per GB), and the market-exclusion rule. It stops short of noting caching staleness or pagination limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.