Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden and does disclose the key traits: the call is FREE (cost/paywall behavior an agent can't infer), it operates on exactly one ticker, and it returns a fixed three-field payload. It stops short of error behavior (invalid ticker) or latency/rate-limit expectations, which keeps it below 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.