Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations at all, the description carries the full burden, but it does disclose genuinely useful behavior: the rate is the 'latest BoC daily average', telling the agent the data source and that quotes are daily-averaged rather than live. It says nothing about auth requirements despite an access_token parameter, nor about error behavior for unsupported currencies.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.