Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=false, so safety and scope are covered. The description usefully enumerates what comes back (categories, accepted inputs, quote-to-order flow), but says nothing about format, size, or freshness of the capability data.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.