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 real operational context: it discloses the discrete result states (on_peg / depeg_warning / depegged / no_market / unverifiable_fx) and the payment model ($0.03 per call over x402 on Base, prepaid x-credit-token for unlimited use, no free tier, no API key). The cost/auth disclosure is genuinely useful for an agent deciding whether to invoke.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.