Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/openWorld/non-destructive, so the bar is lower; the description adds genuinely non-structured facts: US$0.002 per call and 3 free calls a day, plus the returned fields (symbol, confidence, timestamp). It does not say what happens on rate-limit or over-25 exhaustion, keeping it below 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.