Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare readOnlyHint=true, idempotentHint=true, destructiveHint=false, so safety profile is well covered. Description adds behavioral context beyond annotations: it clarifies data source (FINRA daily short-volume ratio), time window (~20 trading days), and billing behavior (cost $0.02 per call; unpaid calls return a payment-required error). This goes beyond the annotation set.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.