Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden, and it does disclose the two hardest-to-guess traits: the $0.01 USDC charge per call and the x402 payment flow where the agent's wallet executes payment. It does not mention rate limits, failure modes, or latency, keeping 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.