Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate readOnly, openWorld, idempotent, and non-destructive behavior. The description adds substantial behavioral context beyond that: it defines the exact verdict range, the data sources considered (90-day volumes, fees, capture-vs-reclaim), pricing ($0.05 per call, free tier), auth requirements (prepaid x-credit-token header, no wallet/API key), and that it reads a unique protocol.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.