Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, openWorldHint and destructiveHint=false, so the safety profile is covered. The description contributes one useful extra fact — 'Free' (no key/auth cost) plus the upstream source (Frankfurter/ECB) — but says nothing about freshness (latest vs historical), caching, or rate limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.