Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint, so the safety profile is covered structurally. The description adds genuinely new context beyond that: the data is public and 'may be delayed or wrong', which tells the agent how much to trust the result. The 'education only / not financial advice' line is boilerplate but not contradictory.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.