Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so the safety profile is covered. The description adds genuinely non-obvious behavior: partial data is never reported as CALM, pagination continues via a next_offset field, and full receipts are only on REST. 'Display-only, not investment advice' also sets expectations on output nature.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.