Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnly, idempotent, and non-destructive behavior; the description then adds meaningful context: the worst-score aggregation, the per-call cost, the x-credit-token payment option, free-tier limit, and that no wallet or API key is needed. This goes well beyond the structured annotations without contradicting them.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.