Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnly, idempotent, non-destructive), so the bar is lower, and the description still adds real behavior: a 30-market scan scope, a 15-minute refresh cadence, an evidence-thinness adjustment, and a low/medium/high confidence output rating. These freshness, scope and data-quality traits are not derivable from the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.