Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, and closed-world behavior. The description adds useful behavioral context: end-of-day rather than intraday data, the coverage universe (US large/mid caps, major foreign stocks, US ETFs), and a chart output. It does not cover auth or rate limits, so 4 is appropriate.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.