Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, closed-world behavior, so the description adds real value by disclosing the $0.01 USDC charge on Base and that invalid ids return 404 with no charge. The one gap is the payment mechanism itself — whether settlement is automatic or requires a signature — which is the biggest unknown for a paid tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.