Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnly/idempotent/non-destructive, but the description adds genuinely non-obvious traits: no authentication required, no payment side effect ("nothing is charged"), and the exact derivation logic (median of similar approved listings vs. declared value). It stops short of rate-limit or freshness/staleness details, keeping it at 4 rather than 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.