Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, openWorld), so the description concentrates on what they cannot express: the paid access model ('$0.01 per call (x402, USDC on Base, no account)') and the fact that ranking is computed from the latest balance sheet. It omits pagination or coverage caveats, but the payment/no-account detail is genuinely additive context an agent must know before calling.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.