Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint and openWorldHint, so the safety profile is covered. The description adds nothing beyond that - no disclosure of result size, pagination, historical coverage, or what happens when neither cik nor ticker is supplied.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.