Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, openWorld, idempotent, non-destructive), and the description adds substantial context the agent cannot get elsewhere: a hard cost ($0.01 per call over x402 on Base), the prepaid x-credit-token header for unlimited use, 'no free tier', and 'No API key required'. That is exactly the payment/auth information an agent needs before invoking a metered external tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.