Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and open-world, so the safety profile is covered. The description adds one genuinely useful domain rule beyond that: the verdict is withheld until 12 settled markets, which explains a partially empty result. Beyond that single rule it does not describe pagination behavior or the shape of a partial-vs-complete record.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.