Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive), so the bar is lower. The description adds a genuinely non-obvious behavioral fact: it costs 0.01 USDC per call via x402 on Solana or Base, and it enumerates the three things returned. That payment requirement is material context an agent cannot get from the schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.