Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and non-destructive behavior, so the safety profile is covered. The description adds useful scope context (NZX-only, a fixed bundle of report sections, and a PDF alternative at a given path) but says nothing about auth requirements, rate limits, data freshness, or cost of generating a 'comprehensive' report.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.