Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden of behavioral disclosure. It adds the useful fact that prices and balances depend on the current store, but it does not disclose side effects, read-only status, or what the tool actually does when invoked. It reads more like a definition than a behavioral specification.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.