Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does so: it discloses that the first 4 rows have code/name masked while amounts remain complete, that masked=true rows are not tradable, that results are pre-sorted so row one is the day's largest, and that only the latest trading day is available. These are non-obvious behaviors an agent could not learn from the schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.