Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed-world), so the description only needed to add context, and it does: data is embedded curated static reference, no API key required, and it is sourced from the annual Kitces survey for 2023–2024. That vintage disclosure is genuinely useful for an agent judging freshness, though it doesn't say whether the data is aggregated medians only or also per-firm segments.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.