Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With annotations already declaring readOnly, idempotent, and non-destructive behavior, the description adds meaningful context: rates are indicative daily ECB reference rates, not real-time or executable, and observation_date should be checked. It also notes the original source availability, which is useful for provenance.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.