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 genuinely new behavior: the exact contents of the response (status, contacted/replied counts, ranked quotes) and the fact that calls are free, which matters for agent retry/polling decisions. It stops short of saying whether status is live or cached, whether ranked quotes can be paginated, or whether an in-progress job may return an empty quote list.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.