Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare openWorld=true, non-idempotent, non-destructive, so the description doesn't need to re-state safety. It does add real behavioral context: the call returns a checkout link rather than performing a charge, and it requires an API key. It stops short of saying whether repeated calls create multiple checkout sessions, which matters given idempotentHint=false.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.