Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral burden. It usefully explains that this is the current COPOM-defined target rate in percent per year, not historical data. However, it does not disclose whether the response is a bare number, whether it includes an effective date, or how frequently the value updates.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.