Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed-world), so the bar is lower. The description adds genuinely useful behavior beyond that: it discloses that results are USD purchasing-power equivalents rather than currency-converted amounts, and explains the matrix behavior when target is omitted.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.