Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so the safety profile is covered. Beyond that the description adds nothing behavioral: it does not say whether non-ETF symbols error or return empty, whether values are real-time or end-of-day, or what units the premium/discount is expressed in. With the conceptual framing being the only contribution, transparency is thin.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.