Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint, idempotentHint, openWorldHint, non-destructive), but the description adds genuinely non-structured context: $0.02 per call over x402, a prepaid x-credit-token header for unlimited calls, 1 free call/day per tool, and no API key required. These auth/payment/rate-limit details are exactly what annotations cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.