Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate readOnlyHint=true, idempotentHint=true, and destructiveHint=false. The description adds meaningful behavior beyond annotations: it returns an error for nonexistent ids, rates are refreshed several times a day, and every portal's rate must be presented with clickable url links because cashback only credits on click-through. No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.