Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate read-only, idempotent, non-destructive behavior. The description adds valuable context: source (central bank rates via open.er-api.com), update frequency (hourly), no API key required, and 'free'. This goes beyond what annotations provide.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.