Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It does disclose the key behavioral trait — that this is an asynchronous payment handoff returning pay_for_me_url rather than a synchronous completion — which is genuinely useful. However, it omits whether the order is created before or after payment, what happens to the cart, and whether the call fails if payment is abandoned, leaving the mutation semantics underspecified.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.