Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, openWorld), so the bar is lower, yet the description adds real behavioral context beyond them: the pricing model ($0.04/call over x402), the prepaid x-credit-token header for unlimited calls, no free tier, and no API key required. It doesn't describe rate behavior or failure modes, but the added auth/billing disclosure is genuinely useful.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.