Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/openWorld, so the description adds value by disclosing cost ($0.05 per call over x402), the x-credit-token prepaid header for unlimited calls, the absence of a free tier, and that no API key is needed. These are real operational behaviors an agent cannot infer from annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.