Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so the safety profile is covered. The description adds genuine behavioral context beyond that: the report returns risk flags and benchmarking against the NZX Code and sector averages, telling the agent what kind of analysis comes back.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.