Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare the generic mutation profile (readOnlyHint=false, idempotentHint=false). The description adds genuinely new behavioral facts: the charge is handled by Stripe, the tool never charges a card itself, and purchase requires an out-of-band browser approval by the account owner. That is exactly the context an agent needs before calling a payment tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.