Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnly, idempotent, non-destructive, openWorld), but the description adds information none of them carry: $0.002 per call via x402 on Base, the prepaid x-credit-token header for unlimited calls, 1 free call/day per tool, and no API key required. That is exactly the auth/cost/rate-limit context an agent needs before invoking a metered tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.