Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It usefully discloses that each item comes with an exact price and a payment link, signaling this is a read-only catalog with purchase affordances, but it says nothing about pagination, result size, or whether the payment link implies a transaction on this tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.