Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the readOnly/idempotent/openWorld annotations by disclosing price (0.25 USDC), the x402 payment rail and supported chains, and failure billing semantics (EDGAR 503 or foreign-filer 404 not charged). These are load-bearing behaviors an agent cannot learn from structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.