Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It adds real value by disclosing data provenance (own probes), the lookback windows (7 days uptime, 30 days payers), anti-gaming filtering ('farmed wallets removed'), and the billing rule for unknown URLs. It does not say whether unknown URLs error or return an empty card, nor whether results are cached or rate limited.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.