Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnly, idempotent, non-destructive), but the description adds substantial behavioral context: non-derivative transactions only, exclusion of outlier rows, duplicate filings and issuers without tickers, SEC filing-time windows, USD amounts, and a 200-row cap. This is well beyond what the structured annotations provide.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.