Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the tool as read-only, idempotent, and non-destructive. The description adds valuable behavioral context: data source (ECB), date availability range (1999-01-04 onward), and format example. Output schema handles return values, so no additional explanation needed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.