Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnly, idempotent, non-destructive, openWorld), so the bar is lower. The description adds genuinely useful behavior beyond them: a per-call cost of 0.02 USDC via x402 payable in USDC on Solana or Base, which materially affects invocation decisions. It stops short of rate limits or payment-failure behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.