Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety traits (read-only, idempotent, non-destructive, open-world), and the description adds useful context: the data comes from 13F filings, covers the latest quarter, and includes a 'not investment advice' caveat. It does not disclose filing lag, update cadence, or coverage limitations, but it meaningfully supplements 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.