Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish the read-only, idempotent, non-destructive profile. The description adds valuable context beyond annotations: the exact return shape ('array of {date, rate} pairs sorted ascending by date'), business-day spot-rate granularity, the SDMX EXR data source, and the fact that no auth is required. This fully covers behavior an agent would need to know.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.