Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of behavioral disclosure. It only states 'Returns details' without mentioning that the operation is read-only, whether authentication is required, rate limits, or what happens if the payment is not found (e.g., error response). This is insufficient for a tool with no annotation safety net.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.