Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses the payload contents when status is 'paid' (downloadUrl, invoiceUrl, certificateUrl), the polling interval, and the expiration policy. This adds meaningful behavioral context beyond the schema, though it stops short of describing error responses or other statuses.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.