Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations: discloses the four data sources, the GO/HOLD/STOP output contract with supporting signals, the fraud pattern it targets (real-looking name on a weeks-old domain), and the full auth/pricing model ($0.12 per call via x402 on Base, prepaid x-credit-token header for unlimited, 1 free call/day, no API key required). Annotations only cover safety and read-only nature; the description carries the rest.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.