Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare the safety profile (readOnly, idempotent, non-destructive), and the description adds substantial context beyond that: the payment model ($0.04 per call via x402 on Base), the x-credit-token prepaid header for unlimited calls, the explicit no-free-tier constraint, and the fact that no API key is needed. It also clarifies the semantic meaning of the bypass window and the verdict outcomes, which annotations cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.