Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnly and openWorld, so the description carries the real burden and delivers: the call is PAID ($0.005 USDC) and returns payment requirements plus an HTTP URL for x402. What it does not disclose is the payment mechanics — whether the tool itself settles payment or just hands back a challenge, and whether repeated calls are charged each time.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.