Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, and the description adds substantive behavioral context: it's a 45-day-stale quarterly snapshot, long-only, and explains the limitation behavior with a concrete example (Renaissance with 3,213 positions, top 200 = 56% of value). This goes well beyond the annotation, providing realistic expectations about data freshness and completeness.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.