Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the safe-read profile (readOnly, idempotent, non-destructive, closed-world), and the description adds real behavioral context on top: at most one year returned, original decimals, missing values surfaced, no weekend carry-forward or interpolation, and no current quote for discontinued currencies. These are limits an agent would otherwise discover only by trial.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.