Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (read-only, idempotent, non-destructive, open-world), so the description does not need to restate those. It adds useful behavioral context beyond annotations by clarifying that prices are end-of-day rather than live and that closes are split- and dividend-adjusted, plus a 'not investment advice' disclaimer.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.