Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, closed-world and non-destructive, so the safety profile is covered. The description adds genuinely new behavioral scope: only 'standard' rates are returned (implying reduced/zero rates are excluded), every period is included, and each row carries the enacting law. Ordering and country coverage are not stated.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.