Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint, destructiveHint=false, openWorldHint), and the description adds real value beyond that: the tiered auth behavior for non-USD currencies, the subscribe path, and the explicit caveat that the factor is a documented summary and does not replace underlying releases. It stops short of describing pagination or response shape, but the output schema covers returns.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.