Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, openWorldHint, idempotentHint and destructiveHint=false, so the safety profile is covered. The description adds non-annotation facts: the ~5-second refresh cadence, the MIS source, and that the source 'is not covered by the Open Government Data License', along with the per-quote trading date.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.