Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it does disclose two useful traits: the 1-credit cost and the shape of the returned data (price, index, annual change). It says nothing about whether the call is read-only (inferable from the resource), error behaviour for an unrecognised slug, or how the 'latest' month is determined.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.