Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false. The description adds meaningful context: 'Read-only public research data. No account access, no order placement or fund transfers. Not investment advice.' This goes beyond the annotations by specifying the nature of data access and safety boundaries. No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.