Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already carry the full safety profile (readOnly, idempotent, non-destructive, closed-world), so the bar is lower. The description adds useful content scope (what categories of data come back) and 'latest' hints at freshness, but it says nothing about what happens for an untracked or unknown fund, or how stale a 13F can be.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.