Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and open-world behavior, so the safety profile is covered. The description adds the ECB reference-rate source as the authoritative origin of the numbers, which is useful context, but says nothing about rate freshness, unsupported currencies, or error behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.