Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full disclosure burden. It tells us the tool returns combined upstream and custom rates, which is useful context. However, it does not explicitly state whether this is a read-only operation (though 'Return' suggests it), whether it makes external network calls, or how it handles failures. This is a partial disclosure but lacks explicit reassurance about side effects.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.