Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Despite no annotations, the description discloses a key side-effect boundary ('Does not reserve or charge funds'), which is valuable for a financial operation. However, it does not reveal whether the call persists a quote request, whether it is idempotent, or what prerequisites/auth are needed, so the full burden is only partially met.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.