Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover non-readonly/non-idempotent behavior; the description adds substantial context beyond them: each call creates a new watchlist, plan-based count limits, Free-plan daily digest vs Pro webhook, signed HTTPS delivery, and rejection of filters that match everything.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.