Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It usefully discloses the commercial trait "$0.03/call via x402", which tells the agent this is a paid, payment-protocol-gated call rather than a plain read. It does not state whether the operation is read-only, whether it requires x402 payment setup beforehand, or anything about latency/rate limits, leaving meaningful gaps.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.