Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With annotations only declaring readOnlyHint=false and idempotentHint=false, the description carries substantial extra load: the full human-in-the-loop handoff via approval_url, the authentication/identity/payment steps, 'no refunds after activation', the commercial-use restriction, and the mandate_unavailable outcome. This is exactly the behavioral context annotations cannot express.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.