Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, openWorldHint=false, destructiveHint=false, so the safety profile is covered. The description adds only that it returns historical and current holdings, but says nothing about pagination, ordering, freshness, or auth requirements beyond what the annotations imply.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.