Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already convey readOnly, idempotent, and non-destructive behavior, so the bar is lower. The description adds useful context about the comparison baselines (FIPE and active same-model listings). It does not disclose output format, units, or possible edge cases, but for a safe read-only tool this is acceptable.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.