Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly/idempotent/non-destructive/openWorld=false, so the safety profile is handled. The description adds meaningful non-annotation context: the quote is a 'hard' fee (deterministic, not an estimate), it is 'Free', and it exposes what remains of the daily cap, which signals a rate-limit/allowance dimension an agent should expect.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.