Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructive and open-world behavior; the description adds genuine value beyond them by disclosing the returned URL/reference, that approval happens on an external page, that zero-amount carts complete immediately, and that an unchanged cart returns the same payment link (idempotency). It stops short of explaining what state is affected on the cart or store once checkout starts.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.