Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate readOnly, idempotent, non-destructive behavior, and the description adds meaningful context beyond them: 'This tool does not spend money' and the requirement to obtain payment authorization before using a wallet or payment-capable HTTP client. This clarifies that the tool only returns instructions and cannot initiate financial actions, which is valuable for an agent.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.