Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations (which only say not read-only, not destructive, open-world, not idempotent) by disclosing that nothing is charged by the call, that payment happens in the browser, that an existing active plan redirects to the billing page, and that the idempotency_key should be unique and reused on retry. This is exactly the extra behavioral context structured fields cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.