Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations establish read-only, idempotent, open-world behavior; the description adds genuinely new operational context: result count cap (up to 5 hits), returned fields, a data-quality caveat (community map data, not a postal authority), and the full payment/auth model (x402 on Base, x-credit-token header, 1 free call/day, no API key).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.