Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, openWorld, so the safety profile is covered. The description adds non-obvious behavioral context the annotations cannot: the data source (SEC EDGAR XBRL), the pricing model ($0.03 per successful call, failed calls free), and that results carry latest annual and quarterly values with period/form/filing date.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.