Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond annotations: it discloses that accepting immediately creates a confirmed order at the agreed price, explicitly that no payment method is charged, that the buyer pays later through the same flow as orders.place, and that an Authorization Bearer header is required. This is exactly the 'beyond structured fields' context the annotations (readOnly=false, destructive=true, openWorld=false) can't convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.