Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish the safe read-only, idempotent profile, and the description adds substantial non-structured behavior: the companies-only construction and how individuals surface in not_itemised, the instruction to report scope.share_itemised, the national_portfolio=not_available caveat against over-reading holdings, UK-only scope, and a 10-credit cost. These are exactly the operational constraints an agent cannot get from the annotations or schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.