Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden and does well: it warns that the merchant key is returned only once and that only its hash is persisted, plus discloses a free-tier quota of 25 payments per 30 days. It omits auth requirements and duplicate-registration behavior, keeping it short of a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.