Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden of disclosing behavior. It transparently reveals the cost ($0.05), the payment mechanism (REST POST /api/accept with X-PAYMENT), the side effects (reveals counterparty contact, records match publicly), and the settlement model (agent-to-agent). This is a strong disclosure of side effects and requirements.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.