Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations by disclosing that despite being a 'check', each call runs a rate-limited domain move and may release payment to the seller, and clarifies that this is the order proceeding rather than an extra charge. That is exactly the kind of non-obvious side-effect context the readOnlyHint=false annotation cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.