Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, openWorldHint=false, and destructiveHint=false. The description adds useful behavioral context beyond those: the result is the complete closed domain, contains rates and decimal places, and acts as an authoritative filter for other operations. This meaningfully complements the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.