Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, openWorldHint=true, idempotentHint=true, destructiveHint=false. The description adds value beyond these by disclosing pricing ($0.001 per call, paid via x402) and detailing the exact checks performed, which informs the agent about cost and scope.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.