Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=false, so safety is covered. The description adds useful shape detail (fixed panel, base-100 index, receipts, monthly averages), but says nothing about provider coverage limits, how the fixed panel is composed, or freshness beyond 'newest hourly point'.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.