Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, openWorld), so the bar is lower, and the description still adds real operational context: the $0.05/call x402 price, the prepaid x-credit-token header requirement, the absence of a free tier, and no API key needed. It also discloses what it flags (unlimited allowance, no expiry, unrecognized spender), which is behavior beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.