Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the tool as read-only, idempotent, and non-destructive, covering the safety profile. The description adds the scope 'for your merchant account' but does not reveal additional behavior such as return format or limitations. Since annotations carry the burden, this is adequate but not rich.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.