Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false and openWorldHint=false, so the safety profile is fully covered by structured data. The description adds that the response carries 'warnings' and 'next_steps', a useful behavioral hint about output content, but says nothing about freshness/expiry of the quote or error behavior for an unknown id.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.