Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does well: it discloses the transport (DNS-over-HTTPS), the per-call cost ($0.01 USDC), and the non-obvious payment flow (returns x402 payment requirements that the agent's wallet settles). It does not state read-only semantics, rate limits, or failure modes, but the pricing/payment disclosure is substantial context beyond the schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.