Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly/idempotent/non-destructive. The description adds useful context beyond them: 'Information only — never investment advice' frames the content, source count (up to three) and cursor paging disclose return shape, and the 48-hour purge window is implied. No rate limits or auth notes, but solid added value.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.