Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=false, destructiveHint=false, and openWorldHint=true, so the safety profile is covered. The description adds real behavioral value: retry the same checkout/token on interruption and reuse of existing authorized/processing/paid payments, which signals idempotent semantics an agent would not otherwise know.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.