Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint/non-destructive, so safety is covered; the description adds the useful behavioral fact that this is a preview step whose output includes welcome-credit effect, shortfall, feasibility, and a balance-page link. It does not say whether the quote expires, is cached, or how it reacts to infeasible inputs, which keeps it below 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.