Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, and closed-world, so the 'Read-only' sentence adds little. The description earns credit for disclosing the calculation basis and its limits (spot-to-spot only, no premiums or buy-back spreads), which prevents misinterpretation of the numeric output.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.