Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must carry the disclosure burden. 'Read' and 'mock' convey that this is a non-destructive, non-production data operation, which is useful. However, it does not explain normalization rules, whether the quote is current/last available, error behavior, or any other operational trait, and no annotations compensate.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.