Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, so the safety profile is covered. The description adds genuine context beyond that: it says which signals are returned (status, options readiness, what's still needed) and discloses a privacy constraint that PII is released only to the same platform user who started the quote. It stops short of describing failure behavior when ownership verification fails.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.