Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (read-only, idempotent, non-destructive), but the description adds genuinely non-obvious behavior: an unlisted service name 'silently falls back to an estimate with no offer,' and only payable services return an offer_id. This is the kind of silent-failure disclosure an agent cannot infer from structured fields. It stops short of describing empty-list or error cases.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.