Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, openWorld, idempotent, and non-destructive behavior. The description adds valuable behavioral context beyond that: the tool returns a single tri-state decision, aggregates four sources, has a specific price per call, and explains authentication options (x-credit-token header, free daily tier, no wallet/API key needed). This fully prepares the agent for what happens when the tool is invoked.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.