Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does disclose two useful behavioral facts: the $0.005 cost and the x402 payment mechanism. It omits rate limits, auth requirements, failure behavior (paywalls, robots blocks, JS rendering), and whether the payment challenge is mandatory or only on retry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.