Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and closed-world scope, so the safety profile is covered. The description adds the return-shape context (spend, firms, issue codes, filings) but says nothing about data recency, coverage limits, or behavior when the client substring matches multiple companies — a real ambiguity for a substring match.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.