Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-only and idempotent behavior, so the bar is lower. The description adds pricing model ($0.002/call over x402, prepaid token for unlimited, 1 free call/day), no API key requirement, and the caveat that it's not a signal. The auth/payment context is genuinely useful beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.