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 goes beyond that by disclosing methodology and output semantics: OCR bands are derived from debt and interest cover, FX exposure from revenue segments, and the composite score is on a 0-100 scale. It stops short of noting data freshness or the drivers of the score bands, which would push it higher.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.