Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnly, idempotent, non-destructive, openWorld), yet the description adds material context beyond them: the data source (UserOperationEvents across both EntryPoints), the exact kost/access model ($0.05/call over x402 on Base, prepaid x-credit-token for unlimited, no free tier, no API key), and an interpretive caveat that fully-sponsored accounts are typically app/agent-operated plus 'not financial advice'.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.