Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already disclose openWorldHint=true, idempotentHint=true, destructiveHint=false, and readOnlyHint=false. The description adds genuinely useful context beyond those flags: calling it does not charge a card, and payment is a prerequisite to queue entry. It does not explain what happens if the test is already paid or what side effects creating a checkout session has.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.