Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden and discloses two important traits: a $0.005 upfront charge and the return of a verification_token that must be passed to extract.confirm. It omits token expiry, failure/refund behavior, and what happens if confirmation never occurs, keeping it out of 5 territory.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.