Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint, openWorldHint), and the description adds meaningful behavior the annotations do not: the source is a static pair directory rather than live data, results are ordered by market-id, and filters apply specifically to that directory. That data-staleness and ordering context is exactly the kind of disclosure that helps an agent calibrate trust in the output.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.