Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, so the description doesn't need to cover safety. It adds useful context about the 'forensically covered ticker' constraint and the verbatim SEC quote substantiation, which informs the agent about data quality and scope.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.