Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, open-world), and the description goes further by disclosing the operational envelope: $0.002 per call over x402 on Base, prepaid x-credit-token header for unlimited calls, 1 free call/day, and no API key required. Those auth/pricing/rate-limit facts materially affect whether an agent can invoke it, which is exactly the value-add expected beyond annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.