Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and open-world behavior, so the safety profile is covered. The description adds genuinely new context by disclosing the cost/rate-limit model: free within a daily allowance, then $0.0005 USDC per call via x402, which tells the agent a payment path exists.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.