Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden and does disclose authentication, payment cost, payment routes, accepted tokens, and output behavior: a signed offer envelope and funding steps. It also restricts the operation to live-map-listed hireable agents. The quote-only workflow avoids claiming side effects beyond generating a quote.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.