Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish read-only, idempotent, open-world, and non-destructive behavior. The description adds concrete behavioral context by stating there is no account access, no order placement, no fund transfers, and that the tool is not investment advice. This goes beyond the annotations, though it does not mention rate limits or authentication details.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.