Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=false, so safety is covered. The description goes further by disclosing the sort order (cheapest first), freshness ('Live quotes only'), and what each row carries (read time plus a source link), which is useful behavioral context beyond the structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.