Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-open-world, non-destructive, so safety is covered; the description adds useful scope limits ('up to 150 tickers') and explicit non-capabilities ('does not recommend, predict or calculate tax') plus how failures are surfaced ('closest listings'). It does not discuss rate limits or latency, so it stops short of full disclosure.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.