Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the safety profile (readOnly, idempotent, openWorld, non-destructive), so the bar is lower. The description adds genuinely new context: the data source (SEC EDGAR current filings) and the cost model (0.01 USDC per call via x402 across listed chains), which an agent must know before invoking. It does not state rate limits or latency.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.