Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnly, idempotent, non-destructive), so the description's job is to add economics and workflow context; it does that by stating the call is free and is a pre-payment gate. It omits quote validity/expiry, rate limits, and authentication requirements, which would matter for a paid pipeline.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.