Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Adds behavior annotations don't cover: the day-over-day vs week-over-week comparison basis, the 50-ticker cap, the per-change shape {field, from, to}, tier-gated extras (Plus and Pro get stability, periods_in_current_state, recent flips), and that ticker_context carries last_changed_date. Since an output schema already exists, describing return fields is partly redundant, which keeps this from a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.