Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already provide readOnlyHint=true and destructiveHint=false, so description adds value by noting 'Updated daily on free tier' and 'Returns all rates in one call', which informs about update frequency and bulk retrieval behavior beyond what annotations convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.