Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden. It discloses that payment is WeChat Pay and that links have an expiry, which is valuable. It does not say whether repeated calls mint new links, what happens if the order/activity+phone lookup fails, or whether the link is one-time use.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.