Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly, idempotent, and non-destructive, so the safety profile is done. The description adds genuinely new context the annotations don't carry: the operation is free, no payment occurs, and the returned quote_id is the credential for the follow-up parse_document call.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.