Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare this is a non-readonly, idempotent, non-destructive, open-world operation. The description adds valuable flow context, especially that no funds move until submit_payment, but doesn't explain signing requirements, how authorize relates to submit, or what happens on retries. With annotations already carrying safety signals, this is adequate but not rich.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.