Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnly, idempotent, non-destructive, open-world), so the description's real contribution is the cost disclosure (0.005 USDC per call via x402, with accepted chains), which annotations cannot express. It also clarifies that prices are each market's own HIP-3 oracle/mark. It does not state rate limits or pagination/response-size behavior for the whole-list mode.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.