Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-only/idempotent/non-destructive/open-world, yet the description adds substantial behavior beyond them: it runs offline, only 8 countries have a real checksum, checksumChecked distinguishes a verified pass from a format-only pass, and it discloses pricing ($0.002/x402), the prepaid header path, and the free tier. This is exactly the extra context annotations cannot carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.