Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden and does well: it discloses a $0.005 x402/USDC-Base payment requirement, the data provenance (Coinbase public price APIs), and a cache staleness bound of up to 30s. It does not cover failure modes for unknown or unsupported pairs, nor whether the price is bid/ask/mid.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.