Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It usefully discloses the fallback behavior when prices_yaml is omitted and the optional CSV export, but says nothing about file overwrite semantics for export_csv_path, permissions, or other side effects of a tool that can write output.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.