Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false, so the safety profile is covered. The description adds context about what the tool documents (customs-reported vs derived fields) and its data boundary (no commercial quote platform data), which is useful beyond the annotations. It doesn't describe output structure, but an output schema exists.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.