Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations are absent, so the description carries the burden. It exposes the free vs. paid behavior (402 challenge, sign, retry) and clarifies that the free check needs no wallet. However, it does not disclose return formats, side effects, or data handling beyond the basic workflow.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.