Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the annotations (non-read-only, non-destructive, non-idempotent, closed-world), the description adds real behavioral detail: yearly starts a 7-day trial requiring a card, monthly charges on first successful checkout, and no card handling occurs in chat. It does not say whether the returned URL expires, whether repeated calls create duplicate checkout sessions despite idempotentHint=false, or what permissions/account state are required.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.