Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false, so the safety profile is covered. The description adds high-value invocation context the annotations cannot: paid x402 model, $0.06 per call, prepaid x-credit-token header for unlimited calls, no free tier, no API key. This directly affects how an agent should budget and authenticate calls.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.