Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so the safety profile is covered. The description adds real behavioral context beyond them: validation is conditioned on the count of variants actually run, results are net of costs, and comparison against buy-and-hold, plus an explicit 'not a forecast / not advice' disclaimer. It stops short of describing result structure, but an output schema exists.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.