Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and destructiveHint=false, so the safety profile is covered and the description only adds that rates are 'latest or for a given date'. It does not disclose the rate source, rounding or precision behaviour, or whether historic lookups can fail for unsupported dates/currencies.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.