Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, non-destructive, closed-world, so the safety profile is covered. The description adds a non-obvious domain behavior beyond the annotations: amounts are bare numbers with no currency attached, and currency_code must be fetched separately before stating a monetary value.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.