Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint=false, so the safety profile is covered. The description adds genuinely useful behavioral context beyond that: the 8-scenario cap, the exact output breakdown, and the important constraint that amounts remain in each country's currency 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.