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 per-call cost ($0.02 USDC), the passive data source (CT logs, implying no active scanning), and the two-step payment flow where the tool returns x402 requirements and the agent's wallet settles them. It omits wallet prerequisites, rate limits, and failure modes, 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.