Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare this as a safe read (readOnlyHint=true, destructiveHint=false, idempotentHint=true, openWorldHint=false), so the safety profile is covered. The description's only additional content is a list of return fields, which duplicates the output schema rather than adding behavioral context such as rounding, currency assumptions, or rate-year applicability.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.