Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so the bar is lower. The description still adds real behavioral information beyond them: a seven-day lookback window, newest-first ordering, a fresh order_handle issued on each call (implying non-stable identifiers), and the two-hour payment eligibility limit.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.