Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With only readOnlyHint=true, the description adds substantial behavioral context: data sources (latest stored holdings, Bullrun mappings), explicit statement about factor/thematic unavailability, and how coverage metrics prevent misrepresentation of partial data. It also reaffirms read-only. No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.