Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, openWorld, and idempotent, so the safety profile is covered. The description adds genuinely useful context beyond them: rates are live market rates refreshed hourly, and results are rendered as an interactive card, which tells the agent about freshness and output shape.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.