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 restate safety. It adds useful context that it applies to 'forensically covered tickers' and enumerates facility types, which goes beyond schema. However, it doesn't disclose behaviors such as handling of uncovered tickers or response edge cases.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.