Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, openWorldHint, idempotentHint, and destructiveHint false, so safety is covered. The description adds that rates are 'current' and returns 'all major currencies,' but does not disclose rate source, validity, or error behavior. This is acceptable given annotations but not rich.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.