Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so the safety profile is covered. Beyond that, the description adds real value by disclosing the returned payment fields and enumerating the ten possible status values, which tells the agent what a response can look like. It stops short of describing error behavior, such as what happens for an unknown or expired order id.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.