Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden of disclosing behavioral traits. It adds the crucial detail of a $0.001 USDC cost, which is not obvious from the name. However, it does not describe the return format, pagination, or any potential rate limits, which could be relevant for an agent invoking the tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.