Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, and closed-world behavior. The description adds useful context beyond those annotations by stating the cost ($0.02 USDC) and describing the output object's shape, though the mention of 'amount, currency' fields slightly blurs the line between text extraction and field extraction.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.