Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false and openWorldHint=false, so the safety profile is fully covered. The description adds one genuinely useful behavioral fact beyond that: the comparison is scoped to states 'whose official rates Payotte read,' i.e., a coverage limitation. It says nothing about the table's shape, row granularity, or how states lacking data are handled.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.