Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full load and does so well: it discloses that the 9-day sequence is always the latest 9 trading days regardless of `date`, that `is_fallback=true` means the requested day's break rate was unavailable, that values shift intraday with a 5-minute cache, and that the tool is institutional-edition only (an access restriction). These are exactly the operational facts an agent cannot infer from schema or annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.