Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It does disclose a meaningful behavioral constraint — all figures are scoped to the last 90 days — but says nothing about whether the window is configurable, whether results are cached, or what the data source/freshness guarantees are.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.