Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the readOnly/idempotent annotations, the description adds substantial behavioral context: match ordering ('exact ticker, exact CIK, name prefix, name contains'), entity priority ('companies with tickers before other filers such as individuals'), empty-result behavior ('no match is an empty list, not an error'), and accessibility ('no API key or payment needed'). It contradicts nothing in the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.