Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so that bar is covered. The description adds genuinely non-obvious behavior: a $0.02 per-call x402 charge on Base, a prepaid x-credit-token header for unlimited calls, one free call/day per tool, and no API key. It also discloses methodology (redemption price now vs N days ago from an archival node) that the 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.