Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive/openWorld, so safety is covered; the description adds genuinely useful non-annotation context: the return shape (first funder, contract-vs-EOA, initial value, wallet age) and, critically, pricing/auth behavior ($0.04/call via x402, prepaid x-credit-token header, no free tier, no API key). These are exactly the extras that change how an agent invokes the tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.