Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare openWorldHint=true, non-read-only, non-idempotent, non-destructive, so the mutating external-request nature is covered. The description usefully adds that quotes are observations rather than guaranteed prices or availability, which is real value. However, it says nothing about the confirm_submission flag, expected turnaround, or that the request is dispatched to a human/agent workflow.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.