Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, openWorld, non-destructive), so the bar is lower. The description adds genuine context beyond them: the rate is 'official' and 'daily', and the quote direction is fixed as 1 EUR = X, which prevents an agent from misreading the inversion. It does not mention weekend/holiday gaps or behavior for an unsupported currency.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.