Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so the core safety profile is known. The description adds useful context beyond annotations: 'No account access, no order placement or fund transfers' and 'Not investment advice', which prevents misuse. It also states 'Read-only public research data', reinforcing and extending the annotation. No contradictions; the description complements annotations well.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.