Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, so the safety profile is covered. The description adds non-obvious behavior beyond that: same-currency spreads are computed values, currencies are deliberately not converted, and prices are dated snapshots rather than live quotes. It stops short of describing the response shape or snapshot freshness/staleness, but the added constraints are substantive.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.