Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=false, so safety is covered; the description adds value by disclosing the return payload (ids, names, typical used prices), which tells the agent this is a discovery call that returns approximate pricing rather than live quotes. It does not cover match behavior (fuzzy vs exact) or result limits, keeping it below a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.