Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only cover the read-only/idempotent profile, and the description adds substantial behavior beyond them: the weekend/holiday/today-before-15:30 fallback with a fallback_reason, the pre-2005 TRL denomination change, quote conventions (TRY per unit, JPY per 100), string-typed decimals, and the mandatory source_url/disclaimer fields. These are exactly the traps that would cause a misread result if undisclosed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.