Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must carry the full behavioral burden. It usefully discloses that this is a paid operation costing £0.49 and that it returns a Stripe Checkout URL rather than the data itself, but leaves unclear whether a checkout session is created, what happens after payment, and what 'Soft-Offer outbound is OFF' actually means.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.