Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The description adds behavioral context beyond annotations: it discloses the 25-credit cost, the comprehensive nature (combining SEC, market, and exchange data), and the fact it runs multiple compliance checks. This enriches the readOnlyHint annotation without contradiction.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.