Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations: discloses that anyone with the link can read it until it expires, that rates and amounts are never shown, that notes are included unless include_notes is false, that the link is returned only once and must be passed to the user, and that demo accounts cannot use it. These are exactly the behavioral traits an agent needs before invoking a non-idempotent, irreversible link-creation tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.