Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does disclose real behavior: one stepped rate on each shop's calendar month of card and bank payments, deducted from payments, no plans or monthly fee, no card on file. That is genuinely useful context an agent cannot get from an empty schema. What it omits is whether the result is shop-specific or generic, and whether this is a static reference or a live lookup.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.