Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-only, idempotent, open-world, non-destructive. The description adds substantial context beyond them: the exact cost (0.002 USDC per call via x402), supported payment chains, and the licensing/disclaimer that ECB rates are free-of-charge and informational only. This goes well past what the annotations declare.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.