Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false, so the safety profile is covered. The description adds genuinely useful behavior beyond that: the response shape is polymorphic (summary vs. per-stock detail) depending on whether code is supplied. It does not discuss pagination or date-range limits, so it is not a full 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.