Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, destructiveHint, and idempotentHint, so the description adds value by stating 'no account access, no order placement or fund transfers' and 'not investment advice.' This reinforces the read-only nature and provides user-facing context beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.