Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile, but the description adds genuinely new operational context: rate limit of 60 calls/minute per IP, no authentication required, data refreshed at most once per business day, and a documented error condition for short series. It also sets a communication obligation ('not a forecast or advice: say so when you quote it'), which no structured field conveys.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.