Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the readOnly and openWorld annotations, the description discloses the data source, update frequency, and crucial limitations: the values are indexes rather than spot prices and exclude Gulf/Tampa quotes. It also adds important billing behavior, including the per-call cost and the fact that failed calls are not charged.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.