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 safety profile is covered. The description adds genuine context beyond that: the return payload is dated USD values confined to a 7-180 day window, and the grade parameter selects a raw vs graded series.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.