Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations: discloses the return contents (sample dates, weeks, pair observations, confidence intervals, price-only exceptions, exclusions, covered value share), states a no-inference guarantee ('never infers a numeric correlation from allocations or holdings'), documents the unavailable failure mode, and specifies required consent/entitlement. This is rich behavioral context for a read-only tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.