Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so the safety profile is covered; the description adds genuinely new context — that trust is not asserted, the pricing model, x402/Base payment, the prepaid header option, and the free-call allowance. That is material behavioral and auth context beyond the structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.