Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnly/idempotent/non-destructive, and the description stays consistent with that (it produces a quote, not a trade). It adds genuinely useful context beyond the annotations: cost ($0.03/call over x402), the prepaid x-credit-token header path, no free tier, and no API key required — all auth/billing facts the agent needs before calling.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.