Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Going well beyond the annotations (which only cover read-only, idempotent, open-world, non-destructive semantics), the description discloses pricing ($0.02/call over x402 on Base), the auth model (x-credit-token header for unlimited calls, no API key required), the absence of a free tier, and the 122-country scope. These are exactly the operational facts the structured fields do not carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.