Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly/idempotent/openWorld, but the description adds genuine behavioral context: modules can move funds via execTransactionFromModule with no owner signatures, the possible verdict values, and the auth/pricing model ($0.04 via x402, prepaid x-credit-token header, no API key, no free tier). That is exactly the extra layer annotations cannot express.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.