Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, openWorld), so the bar is lower, and the description adds genuinely new behavior: the pricing/rate-limit model (1 free call/day, $0.02/call), the auth mechanism (prepaid header), and the auto-selection of the highest-liquidity pair. That pair-selection note is important context a caller could not infer from the schema or annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.