Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
While annotations already declare readOnlyHint=true, openWorldHint=true, and destructiveHint=false, the description adds critical behavioral details: it fails closed without amounts if rates are not complete/valid/fresh/date-stamped, and it explicitly disclaims generating any payment-plan-related outputs. This goes beyond what annotations provide.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.