Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, and closed-world, so safety is covered. The description adds two things annotations cannot: the 2-credit cost and the snapshot semantics (latest day, or latest on/before the supplied date), which materially affects how results should be interpreted.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.