Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the read-only, idempotent, non-destructive behavior. The description adds valuable behavioral context beyond that: an active subscription is required, the output is 'not personalized advice,' and the portfolio is one specific rules-based construction. This gives an agent a clear expectation of access needs and limitations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.