Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare mutation (readOnlyHint=false), idempotency, and non-destructiveness; the description adds context the annotations cannot: the plan-level 25-ticker ceiling, the ~30-minute alert latency after an SEC filing, downstream effects (leading the daily email briefing), and that calls never consume the daily quota. It does not flag how the replace action overwrites the existing list, which is the one genuinely risky behavior left undisclosed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.