Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the readOnlyHint/destructiveHint=false annotations by disclosing that no charge occurs, that a quoteId and job facts line are returned, that quotes expire in ~10 minutes, and that a 12-style capacity cap exists. Expiration and capacity are operationally critical traits not captured by any structured field.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.