Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, openWorld and non-destructive, so the safety profile is covered. The description adds genuine value beyond that by disclosing the returned payload surface (customer, lines, totals, payment attempts, hosted link), which is the only source of return-value information given there is no output schema. It omits error behavior for an unknown invoice_id, which keeps it below 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.