Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden and does it well: it discloses the main side effect (creating a checkout session), explicitly clarifies that payment is not captured by this tool, and points to where payment actually occurs. It could add details about state changes or duplicate-session behavior, but the critical safety-relevant boundary is clearly stated.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.