Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false and openWorldHint=true, so the safety profile is covered. The description adds real value beyond that: it discloses the privacy boundary (no phone, street address or coordinates) and an edge-case behavior (instant quote persists when no purchasable catalogue exists).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.