Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and destructiveHint=false. The description goes beyond them by disclosing that each response signs a new invoiceUrl, that the link expires 1 hour after the response, and that it is safe to share with the buyer, plus livemode test-record behavior. It does not cover error modes or rate limits, but the added behavioral context is substantial.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.