Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, closed-world, so the safety profile is settled. The description still adds real behavioral context: results are per the account's broker, times are normalized to UTC, and a broker holiday absent from the schedule does not mean orders will be accepted. It stops short of stating caching or freshness, but the holiday caveat is genuine added value.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.