Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the key behavioral burden well: it states that it fetches the 402 response, verifies signed offers, reports signer vouching, and crucially says 'Never pays. Free.' It still omits auth requirements, failure behavior, and response shape, but the critical no-cost/no-payment behavior is explicit.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.