Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, openWorldHint, idempotentHint, and destructiveHint=false. The description adds substantial non-obvious behavioral context: per-call pricing ($0.01), the x-credit-token header for prepaid calls, a 1-free-call-per-day allowance, the text=1 result cap at 5 and $0.03 cost, and the '402 challenge' interaction. This exceeds the annotation bar.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.