Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full load, and it discloses the important traits: the quote call itself is free, the report costs $49 via x402, delivery is a written 30-day coverage window, and separate agent/human purchase endpoints exist. What is missing is whether the quote has any latency, expiry, or rate limit.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.