Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint=true, idempotent, non-destructive), and the description adds genuinely useful context beyond that: the exact cost model ($1.00 rubric fee + advertised per-call price x 10 probe calls), the fact that the quote itself is free while the re-test is paid, and the directory-membership prerequisite.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.