Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It usefully discloses the async approval flow (the credential appears only after a person approves) and that any payment_id is accepted, but it omits what is returned while still pending, whether polling is rate-limited, and any auth requirements — notable gaps for a mutation-adjacent status tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.