Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safe-read profile (readOnly, idempotent, non-destructive, openWorld), so credit goes to the added context: a per-call price of 0.02 USDC, the x402 payment rail with five supported chains, and the fact that 400/503 failures are not billed. That is real behavioral disclosure an agent needs before calling. It does not explain the payment handshake or auth flow, which keeps it from a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.