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 context beyond them: the pricing model ($0.03/call over x402 on Base), the prepaid x-credit-token header for unlimited calls, the absence of a free tier, and no API key requirement. These are operationally decisive details an agent cannot get from structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.