Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and non-destructive, covering safety and idempotency. The description adds that it returns daily rates between dates, which is useful context but not critical; the annotations bear most of the burden.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.