Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden of disclosing behavior. 'List' unambiguously indicates a read-only operation with no side effects. The description also clarifies the scope ('all currencies supported'), which adds useful context. It doesn't mention authentication or response structure, but these are not critical for a simple list tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.