Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare this is a non-read-only, non-destructive mutation that is not open-world, so the safety profile is partly covered. The description adds that this creates an external Stripe Connect account and kicks off an onboarding flow, but omits whether it returns a redirect/onboarding URL, whether it is idempotent, or what auth is required.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.