Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, openWorld), so the burden is lower. The description adds genuinely useful non-schema context: a pay-per-call cost of 0.01 USDC via x402 and the accepted settlement chains, which is essential for an agent to invoke it successfully.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.