Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=false and openWorldHint=false, so the bar is lower, and the description still adds real context: a new quote record is written, earlier quotes are left untouched, and the response carries combined totals versus per-quote costs. It stops short of stating idempotency or whether repeated combines stack, which is the only meaningful gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.