Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must carry the behavioral burden. It usefully discloses that calls cost 0.005 USD via x402 and that the rates are current, but it does not describe return format, pagination, rate limits, or whether there are any access constraints for the x402 payment flow.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.