Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, covering the safety profile. The description adds behavioral context beyond this by stating it does not regenerate, transfer funds, or confirm payment, and it clarifies the 'owned payment request' scope. This provides useful context without contradicting annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.