Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false. The description adds 'Read-only public research data, no account access, no order placement or fund transfers, not investment advice' — this reinforces the read-only nature but is largely redundant with the annotations. It adds some context about the data source ('warehouse indices') but does not materially expand behavioral disclosure beyond what the annotations already convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.