Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations provide readOnlyHint=true and openWorldHint=false, but the description adds valuable behavior beyond that: deterministic output, byte-identical to meritvalue.com, and returns null when filings don't support a moat or fair value rather than inventing one. This gives the agent a clear model of edge cases and output guarantees.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.