Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With only readOnlyHint=false in annotations, the description carries the behavioral burden and delivers: it returns a URL, tells the agent to send that URL, forbids collecting card numbers, and reveals the price is in the result. The 'Do not collect card numbers' instruction is especially valuable compliance guidance for an AI agent.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.