Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, closed-world, so the safety profile is covered. The description adds genuinely new behavioral facts beyond that: nothing is persisted or dispatched, no authentication is required, the endpoint is rate limited, and currency is treated as an opaque label with no FX conversion.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.