Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true, so safety is covered. The description adds genuine context beyond that: answers come only from the published profile, contain no prices or commitments, and quote requests are routed to a human who replies himself. It doesn't address latency or answer delivery format, but the content-scope and routing disclosure is substantive.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.