Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true and destructiveHint=false, so safety is covered structurally. The description adds a genuinely non-obvious data trait: amounts are bare numbers with no embedded currency, plus which tool supplies the currency code. That is real behavioral context beyond the annotations, though response shape is not described.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.