Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true, so the safety profile is covered. The description adds meaningful context beyond that: it is 'credential-free', telling the agent no API key is required, and identifies the source as public market-data JSON. It does not cover rate limits or freshness, but it earns credit for the auth-need disclosure.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.