Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, and the description adds exactly the context they cannot: pricing ($0.04/call over x402 on Base), the auth path (prepaid x-credit-token header or no API key), and the rate limit (1 free call/day per tool). That is auth, cost, and quota behavior disclosed up front.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.