Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It does add useful context: data source (ECB), free availability, and the return format (units per 1 EUR with as_of). However, it does not disclose update frequency, currency coverage, or whether the data is current or historical, leaving some behavioral ambiguity.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.