Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, so the agent knows this is a safe read. The description adds useful context about the response contents (amounts, fees, taxes, reservation info), but it does not disclose potential error behaviors, authorization requirements, or any constraints beyond the read-only hint. This is comparable to the get_calls calibration example, achieving a baseline of 3.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.