Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The description adds concrete behavioral details beyond the read-only annotation: it specifies the default fields (InsuranceType, Delivery.Signature, Delivery.Residential), the carrier-specific Options tree via DetailLevel, and the HTTP 409 error for cancelled/split orders. This enriches the agent's understanding of the tool's behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.