Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare read-only, idempotent, non-destructive, closed-world behavior, so the safety profile is covered. The description adds genuinely non-obvious traits: unit conventions (percent for YTM, basis points for spreads, prices per 100 face), hard caps of 730 days and 750 returned points, and a 1 read-unit billing cost for history. Missing: whether exceeding the caps errors or truncates, and any rate-limit/auth context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.