Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint, idempotentHint, openWorldHint, non-destructive), so the bar is lower. The description adds non-annotated behavior that matters operationally: a metered cost of 0.005 USDC per call and the x402 payment rails/ledgers accepted, which an agent must know before invoking.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.