Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations by disclosing cost ($0.01 per call), the payment rails (x402 USDC on Base via _meta["x402/payment"], MPP/tempo on the HTTP URL /v1/npi/verify), the batch ceiling (1-10 NPIs), and the upstream data sources. An agent knows the price, how to pay, and what it is actually reporting before calling.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.