Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, so the safety profile is known. The description adds useful behavioral context beyond that: the source is ECB reference rates and is free, which tells the agent these are indicative reference rates rather than live transactional quotes. It does not cover caching, rate limits, or failure behavior, but the annotation bar is lower and this adds real value.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.