Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must carry behavioral disclosure. It communicates that this is a workflow, specifies its content dimensions, and discloses payment/rate information ('15.0 USDC on Base, pay-per-use'), which is useful context. However, it does not describe side effects, authentication, or what is actually returned beyond the inferred sequence.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.