Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true, idempotentHint=true and readOnlyHint=false, so the bar is lower; the description still adds the real consequence (checkout and new quotes are seeded from the address) and the authentication behavior when no session exists. It does not state what happens to the previously-default address or error behavior for a bad address_id.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.