Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, openWorld, and non-destructive, so the safety profile is covered. The description adds genuinely useful behavioral context by specifying that rates are daily reference rates rather than live rates. It does not disclose rounding/precision, rate source, or whether any spread is applied to the result.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.