Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must carry the behavioral burden, and it does add useful context: payment and shipping are handled via Stripe checkout, and the tool returns checkout_url and order_id. But it stops short of disclosing the side effects of creating an order, whether payment is completed synchronously, or what state the order is in before checkout completion.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.