Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, and the description adds substantive context beyond them: response capped at 750 points, explicit ranges capped at 730 days, and 10 read units per call billing cost. It also discloses data conventions (S.A. basis, EUR spreads over Bund on annual basis), which an agent needs to interpret results correctly.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.