Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint, so the bar is lower. The description adds valuable behavioral context: data is 'cached', 'official', 'revision-aware', and includes provenance and age. It also clarifies that 'Daily fixings, annual context and licensed gaps remain distinct', which sets expectations about data granularity. No contradiction with annotations; the description enriches the safety and data-handling story.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.