Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnlyHint=false, destructiveHint=false, idempotentHint=true), but the description adds the material behavior they cannot: this is a paid call at a fixed price of $0.25 in USDC on two named chains, requires an x402 v2 PAYMENT-SIGNATURE header, hits a specific paid URL, and returns a signed receipt. That is genuine context beyond structured fields, though it still omits what happens on payment failure or how the receipt identifies the caller.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.