Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, openWorldHint, idempotentHint, and destructiveHint, so safety is covered. The description adds valuable behavioral context about the computation method (Pearson correlation of daily log-returns) and the banding logic, which goes beyond what annotations provide. It also specifies the base currency (USD), which is not in the schema. This enriches the agent's understanding without duplicating annotation data.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.