Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false, openWorldHint=false, so the safe-lookup profile is fully covered by structured data. The description adds no further behavioural context (no source of the rates, no effective-date semantics, no coverage limits), which is acceptable given the annotations but adds little.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.