Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The readOnlyHint annotation already indicates a safe read operation, and the description adds context about the specific settings returned (e.g., currency, formats, feature flags). This goes beyond the annotation by clarifying the scope of data, though it does not mention response structure or size limits, which are less critical for a zero-parameter GET.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.