Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does disclose genuinely non-obvious behavior: the call initiates a purchase that returns a payment challenge rather than completing payment, and settlement requires an external authorized client. It still omits what happens to the challenge, whether retries are safe, and any permission/rate-limit constraints.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.