Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations at all, the description carries the full burden. It discloses that this is an owner-scoped mutation with a precondition, which is genuinely useful, but says nothing about irreversibility, what happens to pending responses on the RFQ, or what error is returned if a deal already exists.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.