Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, non-destructive and closed-world, so safety is covered. The description adds real substance beyond them: the response includes every tracked variant and condition with USD market price, a price_updated_at timestamp, and 7d/30d changes, so the agent knows what data freshness and granularity to expect.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.