Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false, idempotentHint=true, and openWorldHint=true, which signal this is a safe, read-only operation. The description adds the context of being 'official' and 'reference' rates, but does not disclose additional behaviors such as rate limits, data freshness, or response structure. Since annotations cover the safety profile, the description adds moderate value.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.