Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, closed-world behavior, so the safety profile is covered. The description adds genuine value by decomposing the metric (fee + slippage), fixing the notional tiers, and stating the output unit in bps. It doesn't say whether quotes are live or cached, but that is a minor gap given annotation coverage.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.