Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false, openWorldHint=true, so the safety profile is covered. The description contributes genuine extra context by bounding the scope ('recent EDGAR window', up to 20 filings), though the field list it enumerates largely duplicates the output schema.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.