Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden and does well: it discloses cost ('FREE'), side-effect freedom ('no wallet or document upload'), and non-inspection ('does not inspect or validate'). It doesn't explicitly state that it returns a quote or price, but the name and purpose strongly imply it.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.