Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, so the safe-read nature is covered structurally. The description adds the underlying REST mapping (GET /payment-links/{id}), which is useful context, but says nothing about error behavior (e.g. not-found) or return shape. With annotations carrying the safety profile, this is adequate but not rich.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.