Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description provides useful behavioral context by disclosing that it forwards Wallet+ Bearer or x402 payment headers when present, and explains the premium upgrade conditions via include_components or history_hours. This adds non-obvious access tier information, though it omits rate limits or error cases.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.