Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint/idempotentHint/non-destructive, so the safety burden is lifted. The description adds real behavioral context beyond them: the fixed PPP table (FR=0.79, US=1.0, CH=1.36, etc.) tells the agent which countries are supported and that rates are hardcoded rather than live, plus the returned field names.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.