Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate idempotent, non-read-only, non-destructive behavior. The description adds critical context beyond that: the tool is paid, costs $0.25, and requires x402 payment on specific networks. This is valuable because an agent must know a financial charge is incurred.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.