Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so the safety profile is covered. The description adds useful behavioral context: default returns 8 most recent quarters, provides an example yield, and notes no-auth/commercial-use status. It does not disclose pagination or update cadence, but the output schema and annotations lower the burden.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.