Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Adds meaningful behavior beyond annotations: it creates a live payment session, 'charges nobody by itself', and includes the 24-hour publication and refund policy. It does not discuss repeated invocation behavior or link expiry, but the annotations already flag non-idempotency, and the description covers the most important side-effect boundary.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.