Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and idempotentHint=true, so the safety profile is covered. The description adds the useful fact that the returned values are IDs intended for get_estimate, but it does not describe output shape or any edge behavior; annotations carry most of the burden.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.