Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden, and it discloses the priced nature of the call ($0.0005 USDC per call) plus the response shape — genuinely useful context an agent cannot get from structured fields. It stops short of noting freshness/caching or latency of the estimate.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.