Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, openWorldHint, idempotentHint, and non-destructive behavior. The description adds useful context by noting the operation is real-time and uses the current exchange rate, but it does not disclose any further behavioral traits such as data delays, API-key restrictions, or batch behavior, which are only partially represented in the schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.