Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already provide readOnlyHint=true and openWorldHint=true, indicating this is a safe read operation with dynamic data. The description adds value by specifying the output format ('list of three-letter currency codes'), which isn't covered by annotations. However, it doesn't disclose additional behavioral traits like rate limits, caching, or data freshness, which could be useful context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.