Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and idempotentHint=true, so the description adds value by explaining that the quote is 'privacy-minimized' and includes 'live expiry/availability-hold state', which goes beyond the annotations without contradiction.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.