Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false, so safety basics are covered. The description adds a critical security rule ('Never collect card or bank details') and clarifies that it operates on accepted quotes, which is valuable context beyond the annotations. It does not disclose return format, but an output schema exists.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.