Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Even with readOnlyHint and idempotentHint annotations, the description adds valuable behavioral context: it reads powers live on-chain rather than from a static list, lists the exact risk flags examined, and discloses pricing, x402 mechanics, credit-header rate limits, and the lack of wallet/API-key requirements. This goes well beyond the annotations and helps an agent understand cost, auth, and data source.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.