Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and open-world, so safety is covered. The description adds genuinely useful context beyond that: 'free, no key' plus exactly what is returned (stockId, code, name, filings URL, headline category taxonomy, 25 recent filings) and the 25-item recency bound.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.