Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and destructiveHint=false, but the description adds meaningful context: the plan is non-PII, expires after 30 days, and a not-found result indicates expiration, storage unavailability, or a wrong ID. It also instructs reviewing the restored plan with the user before request_quote, enriching behavioral understanding beyond the annotation hints.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.