Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate read-only and non-destructive behavior. The description adds that the differential may be 'stored or derived' and that the result includes metadata (measure, rate type, curve family, tenor), which is useful for interpreting the response and goes beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.