Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations by disclosing the payment mechanism (MPP payment, Stripe Shared Payment Token from the user's wallet such as Link), that a pay link is returned, that delivery is tied to the email account, and that the purchase is final and non-refundable. That irreversibility and payment-flow context is exactly what annotations like destructiveHint=false cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.