Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so the safety profile is covered. The description adds genuinely useful context beyond that: end-of-day rather than real-time data, the covered universe (US large/mid caps, major foreign stocks, US ETFs), and the concrete metric set returned. No auth or rate-limit detail, which is the only remaining gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.