Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full behavioral disclosure burden. It does disclose the core fee formulas, which is useful behavioral information. However, it does not mention what the tool returns (fee amount vs. total), currency assumptions, rounding behavior, or how the isMicropayment flag affects the calculation beyond the rate. This is partial transparency.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.