Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint/idempotent/openWorld/non-destructive, but the description adds valuable non-schema behavior: the $0.04/call x402 pricing, the prepaid x-credit-token header for unlimited calls, no free tier, and no API key required. For an agent that must handle payment negotiation, this is meaningful context beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.