Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does well: it discloses the paid nature ($0.01 USDC), the indicative (non-binding) nature, the provider configuration requirement, and explicitly states 'Read-only: never signs, submits, or executes.' This is strong behavioral coverage, though it omits details like quote expiration or failure behavior, which are secondary for a quote tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.