Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does disclose the significant non-obvious behavior: $0.01 USDC per call, x402 payment requirements returned, and the agent's wallet executing the payment. It omits auth scope and rate-limit behavior, but the paid-call flow is the key surprise an agent must know.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.