Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, openWorldHint=true, and destructiveHint=false, so the safety profile is covered. The description adds 'Rates updated daily', which informs freshness. It does not disclose other behavioral details like pagination or error handling, but for a simple read tool, this is acceptable. There is no contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.