Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=false, so the safety profile is covered. The description adds that the output mirrors what the site's quote assistant asks and splits the five questions into pricing vs scheduling roles, which is useful context, but says nothing about caching, rate limits, or freshness of the question set.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.