Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so the safety profile is covered. The description adds value by disclosing the specific return payload (price, paid endpoint, success contract) and the free nature of the quote, going beyond annotation basics.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.