Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does well: it discloses that payment happens out-of-band by a human on the hosted page, that activation is automatic and asynchronous, and that the agent should poll get_account. It does not cover auth requirements, whether repeated calls create multiple checkout sessions, or expiry of the URL.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.