Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly, idempotent, and non-destructive hints. The description adds critical context beyond annotations: pricing ($0.005 per call via x402 on Base), that unknown numbers return 'not_found' and are not charged, that failed calls are not charged, and the fallback behavior for clients without x402 support. This is excellent disclosure of non-obvious operational traits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.