Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=false, destructiveHint=false, idempotentHint=true and openWorldHint=false, so the safety profile is covered. The description adds essentially nothing beyond that: it does not say what the write changes downstream, whether any notification or invoice state is affected, or what happens if the estimate was already accepted (the idempotent hint implies a no-op, but the text never confirms it).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.