Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare it is not read-only, not idempotent, and not destructive, but do not explain the consequence of repeated calls or the session token's scope. The description adds that a session token is returned for wallet purchases, which is useful context beyond the structured data.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.