Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden of behavioral disclosure. It reveals that this is a paid operation costing $0.10, that it returns a course id, and that it changes payment economics for subsequent calls. However, it omits information about failure modes, refunds, idempotency, or what happens if payment_tx is invalid.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.