Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does disclose behavior: rounding to two decimals, unit appended to the result, and the fallback from 'bits' to 'value'. It also adds payment context ('5 free trial calls per signed wallet'), which is genuinely useful behavior beyond any structured field. It remains silent on error behavior for malformed input and on the exact unit casing returned.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.