Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed-world). The description adds real value beyond them by describing the informational nature of the response (service coverage, fare differences, post-quote process, contact path) and reinforcing "Submits nothing" so the agent knows no state change occurs.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.