Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint, idempotentHint, destructiveHint=false, openWorldHint), so the bar is lower. The description adds genuine value beyond them by disclosing the data's provenance (Daily Treasury Statement), its daily cadence, and the units of the values (millions of dollars) — all traits an agent cannot get from the structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.