Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, openWorld), and the description adds substantial context on top: the $0.02 per-call x402 cost on Base, the prepaid x-credit-token header for unlimited calls, 1 free call/day per tool, and that no API key is required. Payment and auth behavior is 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.