Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses the action (initiating checkout), the prerequisite (cart_token from add_to_cart), the need for a billing email, and the output (payment_token). This provides some behavioral context, but it does not mention potential side effects (e.g., payment holds, cart state changes) or permission requirements, so it is only minimally transparent.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.