Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It usefully discloses the non-obvious traits that payment is x402/USDC and that the agent's own wallet executes the payment while the tool only returns instructions. However, it omits irreversibility, cost magnitude, auth requirements, and failure behavior for a financial transaction, leaving meaningful gaps.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.