Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare destructiveHint=true, and the description goes well beyond that by disclosing exactly what is overwritten (billing details, PO number), what is only filled when empty (email, name, product title), what is preserved (line items, amounts, taxes, status), and that the previous hosted PDF is discarded. This is unusually rich behavioral context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.