Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive). The description adds genuinely new behavioral context: a $0.05 x402/USDC-on-Base payment that is auto-handled by the client, plus receipts-verified filtering and reliability sorting. That is material information an agent would not otherwise know.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.