Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint, so the safety profile is fully covered. The description adds useful context beyond that: the upstream source (Massive/Polygon.io), that data is 'official', and that gaps/pre-market fields are included. It says nothing about rate limits, auth, error behavior, or what happens on holidays.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.