Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
readOnlyHint=true already establishes the safe-read profile, so the description's added value is its disclosure of what the response contains (the estimate's options and each option's approval status) plus the underlying API route. It does not cover not-found/error behavior, but it usefully offsets the absence of an output schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.