Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, so the safety profile is covered; the description goes beyond that by enumerating the terminal and intermediate states, including the notable 'failed (refunded)' outcome, which tells the agent what to expect and what a failure implies. It stops short of saying whether statuses transition and how often to poll.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.