Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already mark readOnly, idempotent, open-world, and non-destructive, so the bar is lower. The description adds useful behavioral content by stating the result is free and by disclosing exactly what the payload includes: ticker format, segment membership lists, and methodology version. There is no contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.