Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations by clarifying that the call creates a live payment session but charges nobody by itself, that the return value is a URL, and that payment must be completed out-of-band by the human. That is a material behavioral fact (side effects, money movement boundary) not derivable from readOnlyHint=false / openWorldHint=true alone.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.