Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare openWorld, non-readOnly, non-idempotent behavior, so the description's value is the payment semantics it adds: the 402 challenge and the specific settlement rails returned. It stops short of describing failure modes beyond payment, side effects on the remote service, or whether executions are logged/repeatable.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.