Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true, so safety is covered. The description adds genuine context beyond that: the data comes from 'credential-free public market-data JSON', telling the agent no auth is required. It does not mention rate limits, pagination, or what 'normalized' entails, keeping it short of a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.