Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does solid work: it discloses the $0.01 USDC cost, that it returns x402 payment requirements, and that the agent's wallet must execute the payment. It does not cover failure modes such as whether the fee is still charged when no lead is found, which keeps it short of a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.