Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, and the description usefully adds the critical behavioral fact that this tool returns a payment request but does NOT execute payment. It also discloses the cost and accepted networks, going beyond structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.