Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden and does well: it discloses that no charge is made, that funding is a separate owner-approved step, that an API key is required, and that the return value is a checkout link. It stops short of describing what happens to the quote afterward or any idempotency/error behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.