Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, openWorldHint, and non-destructive behavior, so safety is covered. The description adds genuinely new operational context the annotations lack: a free daily allowance and a $0.002 USDC x402 charge after it, which matters for call budgeting. It doesn't note result limits or pagination, keeping it short of a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.