Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only cover the safety profile (read-only, idempotent, open-world), while the description adds genuinely useful behavior: spam filtering is applied, the data comes from Covalent, the address is Base-scoped, and the call is paid ($0.02 per call over x402, prepaid x-credit-token header for unlimited calls, no free tier, no API key required). Cost and auth mechanics are exactly what an agent needs and are not in 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.