Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral burden and does disclose key return behavior: a merchant checkout link plus checkout_id, and the required follow-up call to report_outcome. However, it does not mention side effects, permissions, idempotency, or error behavior for a purchase-creating operation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.