Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden and does well: it discloses that the tool does not execute the intent, does not spend anything, and is 'Free'. This is critical behavioral information for an estimation tool. It does not mention potential limitations (e.g., estimate accuracy, rate limits), but the core guarantees are clearly stated.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.