Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden of behavioral disclosure. It does well by revealing that observations are not uniformly quarterly, that older values are generally month-end while recent values can be weekly, and that values are advertised median AUD per week. This is meaningful beyond simply saying 'returns history'.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.