Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare readOnly, idempotent, non-destructive, closed-world, so safety is covered. The description adds valuable behavioral context beyond that: 'yearly cost when the issuer publishes it' signals nullable data, the exchange-suffix convention for non-US tickers, and the not-found fallback to search_symbols. It does not mention rate limits or caching, but the additions go beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.