Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, openWorld), and the description adds the operationally critical details those annotations cannot: exact cost ($0.03/call over x402 on Base), the prepaid x-credit-token header for unlimited calls, absence of a free tier, and no API key/prompt engineering required. This is exactly the payment/auth context an agent needs before calling 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.