Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does disclose the most important trait: this probe is free and non-destructive ('without spending any funds'), and it enumerates the information surfaced (payment requirement, quote, currency, receiver). It omits what is returned when no payment is required, auth needs, and rate limits, but the safety profile is clear.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.