Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses the return contents (fees, tx count, timing) and importantly reveals the quote costs $0.001 USDC via x402, a key behavioral trait. It doesn't mention auth or side effects, but 'cost estimate' implies no token movement.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.